Assistant Unit Manager

1 • Creating a high quality portfolio: UM is responsible for both creating and maintaining a high quality portfolio. He/she will thus have a strong voice in customer selection, by attending CPVs and by conducting GRTs. For the first three months, the UM is responsible for attending 100% of CPVs conducted. • Sanctioning loans: Once all credit checks are complete, the UM is responsible for sanctioning the loan on the system. • Monitoring cash management: UM is responsible for conducting cash reconciliation at the end of every day. • Ensuring on-time collections: UM is to attend 3 center meetings a day, to ensure on-time collections. In case there is a lapse in payment, UM is jointly responsible for following up with default customers (along with the GCO). 2 • Managing and monitoring branch: UM will lead a branch huddle every evening, to understand daily operations and troubleshoot problems. UM will also attend to branch administrative issues as and when they arise. • Maintaining productivity/profitability: UM will monitor profitability and performance of the branch using various productivity, efficiency and financial parameters. • Leading and training GCOs: UM will support individual GCOs through their career development. If required, he/she will also lead training programs. • Ensuring low risk: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area • Ensuring customer satisfaction: Ensure high level of customer satisfaction through high service quality. Coach Relationship and Branch Managers in analyzing reasons behind high drop-out rates and identifying techniques to reduce drop-out problems