Branch Head

Department: Sales Secured Loans

Branch Head Purpose of the Role

This is a high-impact leadership role for a dynamic business leader to drive profitable growth for his/her branch within Indias top emerging markets. The Branch Head will be responsible for building, scaling, and leading a high performing branch & team within a defined state. With a sharp focus on customer centricity, operational excellence, and regulatory compliance, this role is central to expanding our reach in non-metro cities and economic hub

Role and Responsibilities:

Business Growth & P&L Ownership

• Own the Branch P&L through AOP delivery, business volumes, collection efficiency levers and strong expense control.
• Lead a team of CAM (Customer Account Manager) and drive them for sales and collections targets and productivity benchmarks.
• Drive rapid and sustainable growth across MSMEs lending products – Loan Against Property and Business Loans through the neighbourhood lending model.
• Deliver on annual “Branch Scorecard” by exceeding the expectations on benchmark Pricing, Processing Fees, Cost of Acquisition (CAC), Insurance Cross Sell, Early Bucket Delinquency Management, 30+ and 90+ DPD portfolio performance, renewals, top-ups, balance transfers, internal audits, customer servicing and overall branch administration.
• Use competitive intelligence and local market insights to execute business strategy with speed and purpose.

Distribution & Network Expansion

• Scale a full-service branch in the assigned region with complete empowerment, budgets and analytics / marketing / HR & credit support.
• Help the central leadership team to identify branch premises and requisite administrative insights for quick ramp up.
• Drive “direct sourcing” via customer events, exhibitions, loan melas, MSME conclaves, data base acquisition, tele calling efforts, beat plan adherence, cluster roadshows, and local merchant connects.

Team Leadership & Capability Building

• Lead a span of CAM’s responsible for sales and collections.
• Recruit, coach, and build a high-performance team and groom them to assume Branch Heads roles in future.
• Foster a culture of ownership, collaboration, proactiveness, compliance, and customer-first execution

Job Profile

Risk, Compliance & Operational Excellence

• Ensure regulatory adherence, internal audit readiness, and governance excellence Sharp focus on cost control, TATs, sourcing quality, recoveries, and underwriting standards
• Ensure compliance with municipal laws, property regulations, collateral management, litigation, and repossession protocols Market Intelligence & Strategic Partnerships
• Build strong networks with local bodies, legal institutions, and fraud prevention agencies
• Leverage local intelligence to identify new business triggers and mitigate risks Stay ahead of trends in industries, customer behaviours, and competitor movements

Qualification & Experience:

Educational Background

• Post Graduate Degree – MBA or equivalent
• Graduation and Schooling from reputed institutions of the country

Experience Requirements

• 7 to 10 years of team handling and branch experience Banks/NBFCs/HFCs/SFBs/Fintechs.
• Ability and Maturity to balance sales and collection verticals for consistent branch scale up and profitability
• Good knowledge of secured lending products: LAP, Home Loans, Business Loans, Working Capital Finance

Key Skills & Competencies:

Leadership Attributes

• Demonstrated success in building large-scale DIRECT distribution networks in emerging markets
• Experience in hiring, developing, and managing young and dynamic colleagues Entrepreneurial mindset with a hands-on approach to problem-solving and execution

Personal Attributes & Mobility

• Extremely High on integrity, result orientation, and strong business acumen Good communication and relationship-building skills
• Willingness and passion to lead the branch team in the marketplace / field for sales and collection activities.