About the role
Job Purpose To manage product and process applicable for MFI GL product and track controllership. Work towards improving business efficiency and profitability. To manage system scheme & masters. Duties and Responsibilities Gold Scheme Management • Manage and Maintain various Gold Schemes as per business requirements and Gold PPG • Managing and maintaining different system master to enable day to day operation of business • Identifying the issues related to configuration and initiate corrective action with support of IT team • Creation, Modification, and mapping of correct scheme in system for end-to-end journey of loan to product mapping • Charge mapping, de-mapping and modification with respect to change is product governance policy • Identifying tech and process improvements required, its monitor the implementation. • Provide requirement tech team for development of capabilities for implementing various policies and guidelines. Gold Loan Performance Management • Work on performance management through relevant data analysis, provide key inputs to business team. • Identify reports requirement and ensure timely publication. • Automate MIS for improving accuracy and work on real time reports/dashboards as applicable. • Business target in consultation with Business Heads, effective communication and alignment across the team. • Prepare and execute performance pay, rewards and recognitions. • Periodic contests, additional kickers and communication for motivation. • Prepare business and financial decks for periodic and need based review by management. Gold Loan Controllership • Monitor Product and Business KPIs as per Gold Loan PPG in alignment with Gold SBU product and risk team. Identify areas of improvement and correct gaps identified if any. • Implement Regulatory guidelines as applicable and coordinate with internal teams including Gold SBU Risk, Business Compliance, Legal, FPC, Risk, and Internal Audit teams to align compliance efforts. • Ensure compliance with regulatory requirements and quality standards. • Implement best practices and industry benchmarks to enhance the control parameters. • Provide input to business for gaps if any and work towards achieving various efficiency parameters Key Decisions / Dimensions • Performance pay criteria for MFI GL business • MFI GL pricing grid and further scheme management in pennant|• Achieving GL productivity expected as per AOP • Maintaining rate for Acquisition and portfolio IRR as per AOP Major Challenges • Keeping track of regulatory guidelines and its interpretation • Conduct industry benchmarking to understand industry best practices and design processes accordingly. Required Qualifications and Experience a) Qualifications • Post Graduates with relevant sales experience of 5-8 years b) Work Experience • Relevant sales experience in managing large sales channels in multiple market environments • Prior & relevant experience in the Financial Services Industry would be an added advantage. • Demonstrated success & achievement orientation. • Excellent communication skills. • Strong bias for action & driving results in a high performance environment. • Demonstrated ability to lead from the front. • Excellent relationship skills. • Strong analytical skills to drive channel performance and drive profitability. • Exceptionally high motivational levels and needs to be a self-starter.