Branch Manager

Job Role:

The key functions will be

• 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 terms of collections, pre closures & service issues

Key Responsibilities:

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.

Mandatory Skills:

• 7-8 Years experience, with atleast 4 years in Retail Assets
• Ability to plan & execute
• 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