Cluster Manager - LAP (Chennai)

<div><strong>Job Title: Cluster Manager - Loan Against Property</strong></div><div><strong>Location</strong>: Chennai</div><div><br></div><div><strong>Overview</strong>: We are seeking a dynamic and experienced Cluster Manager to oversee our Loan Against Property (LAP) product division, responsible for managing a cluster of 5 branches.

The ideal candidate will possess strong leadership skills, in-depth knowledge of LAP products, and a proven track record in team management.</div><div><br></div><div><strong>Responsibilities</strong>:</div><ul><li>Strategic Leadership: Provide strategic direction and leadership to achieve LAP business targets within the assigned cluster.</li><li>Branch Management: Oversee the operations of 5 branches within the cluster, ensuring compliance with company policies, procedures, and regulatory requirements.</li><li>Team Management: Lead and motivate a team of branch managers and loan officers to achieve sales targets and maintain high levels of customer satisfaction.</li><li>Performance Monitoring: Regularly monitor and analyze branch performance metrics, identify areas for improvement, and implement corrective actions as necessary.</li><li>Product Development: Collaborate with the product development team to identify opportunities for product enhancements and develop strategies to increase LAP product penetration within the market.</li><li>Risk Management: Ensure adherence to risk management policies and procedures, conduct periodic risk assessments, and implement controls to mitigate risks associated with LAP lending.</li><li>Market Intelligence: Stay abreast of market trends, competitor activities, and regulatory changes affecting LAP products, and incorporate relevant insights into business strategies.</li><li>Customer Relationship Management: Foster strong relationships with key customers, intermediaries, and stakeholders to enhance business opportunities and maintain a competitive edge.</li><li>Training and Development: Identifying reportees for necessary training to groom their product knowledge, sales skills, and customer service capabilities.</li><li>Budgeting and Cost Control: Develop and manage budgets for the cluster, ensuring optimal utilization of resources and cost-effective operations.</li><li>Reporting: Prepare and present regular reports on branch performance, sales activities, market trends, and other relevant metrics to senior management.</li></ul><div><strong>Requirements</strong>:</div><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Minimum Bachelor's degree Must be completed.</p><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Minimum 3 years of experience in lending business and with LAP product preferred.</p><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Proven track record in team management and achieving sales targets.</p><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Sound understanding of LAP underwriting principles, credit risk assessment, and regulatory compliance.</p><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Strong leadership, communication, and interpersonal skills.</p><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Analytical mindset with the ability to interpret data and make informed business decisions.</p><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Oversee the operations of 5 branches within the cluster, ensuring compliance with company policies, procedures, and regulatory requirements.</p><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Ability to thrive in a fast-paced and target-driven environment.</p><p style="margin-left:21.0000pt;text-indent:-21.0000pt;">Knowledge of local market dynamics and customer preferences.</p>