Branch Incharge

Job Role :

Profitability Management - Maintaining & optimizing profitability for the branch
Target setting & management Monitoring branch targets in numbers & volumes Portfolio quality management - through superior underwriting, working closely with collections
Cost management managing all branch operating costs including cost of acquisition, operations etc.
People management Motivating team, handling HR & administration function of the branch
Customer experience management - Ensuring superior customer experience and handling customer service in termsof collections, pre closures & service issues
Business
Achieve contributed value targets set for the branch
Ensure sales volumes for multiple products, sourcing quality & underwriting diligence to meet sales targets while controlling delinquencies and frauds
Provide superior customer experience
Manage TATs on credit & processing
Minimize pre & post disbursal discrepancies

Monitoring Performance
Monitoring Branch performance in terms of key drivers i.e. Contributed Value / Volumes / Profitability / Expenses / Losses, Employee Retention, Employee Productivity, Customer experience
Monitor individual performance of each employee, continuously work to maximize productivity People Management
Motivate and develop branch teaM
Drive branch team to excel.
Manage and mentor the team and keep attrition of branch staff low
Conduct regular meeting with branch staff
Provide open and honest feedback and ask for feedback

Key Responsibilities :

Ability to plan & execute targets for all products.
Strong inter-personal skills and leadership ability.
Ability to create professional work culture that encourages enthusiasm and team spirit
Understanding of credit risks & operational risks.
Ability to manage and implement change by taking complete ownership

Preferred candidate profile

Graduate/MBA with 7-8 years of experience (5-8 yrs of relevant exp in Finance Industry)
Understanding of All products and their knowhow
Strong Inter-personal and analytical skills ability

Desirable Skills :

Understanding of All products and their knowhow
Strong Inter-personal and analytical skills
Ability to set & manage targets
Ability to manage partnerships / sales channels.