Job Title

Cluster Sales Manager - Microfinance 1. Leadership & Strategy: - Manage and supervise branch operations within the assigned area to ensure the achievement of business goals and profitability. - Develop and implement cluster strategies to increase outreach, loan portfolio quality, and client retention. - Lead by example, providing direction, mentorship, and performance feedback to branch managers and their teams. 2. Operational Management: - Oversee the operations of all branches within the geo, ensuring efficiency and adherence to the organization’s policies and procedures. - Monitor the performance of cluster managers, ensuring that they achieve their operational, financial, and client outreach targets. - Ensure smooth coordination between branches and head office, facilitating the implementation of corporate strategies and policies. 3. Business Development & Growth: - Identify new market opportunities for growth, ensuring that the geo expands its reach to underserved communities and clients. - Develop and manage strategies to improve client acquisition, retention, and satisfaction, focusing on expanding the microfinance portfolio. - Foster partnerships with local communities, government agencies, and other stakeholders to promote the organization’s microfinance services. 4. Financial Management & Reporting: - Ensure the financial sustainability of all branches within the geo by managing budgets, controlling costs, and optimizing resource allocation. - Monitor financial performance metrics such as portfolio quality, loan disbursement, repayment rates, and profitability. - Prepare and present comprehensive financial and operational reports to senior management, highlighting geo-wide performance and areas for improvement. 5. Risk & Compliance Management: - Ensure that all branches in the geo comply with internal risk management policies, credit guidelines, and regulatory requirements. - Work closely with risk management teams to identify, assess, and mitigate risks that could impact the geo’s operations. - Conduct regular audits and reviews of branch operations to ensure compliance with internal controls and external regulations. 6. Team Leadership & Development : - Lead, coach, and mentor cluster managers and their teams, ensuring high performance and employee engagement across the geo. - Develop talent pipelines by identifying and nurturing high-potential employees for future leadership roles. - Promote a culture of continuous improvement, innovation, and excellence within the geo. 7. Client & Community Relations: - Foster strong relationships with key community stakeholders, government agencies, and clients to ensure the organization’s mission of financial inclusion is achieved. - Address high-level client issues, ensuring that concerns are resolved promptly and effectively while maintaining a strong reputation for the organization. Core Competencies Strategic Thinking : Develop and implement strategies that drive growth, improve efficiency, and achieve organizational goals. Financial Acumen : Deep understanding of financial management principles, including budgeting, portfolio management, and cost control. Leadership: Proven ability to lead and inspire diverse teams across multiple clusters to achieve high performance. Problem-Solving : Strong analytical and problem-solving skills, ability to identify challenges and implement effective solutions. Client Focus: Commitment to financial inclusion and improving the lives of underserved communities through microfinance services. Location - Phulnakhra, Balugaon