Branch Head

Purpose of the Role:

This high-impact leadership role is designed for a dynamic business leader to drive profitable growth for a branch in India's emerging markets. The Branch Head will build, scale, and lead a high-performing branch and team within a defined state. The role focuses on customer centricity, operational excellence, regulatory compliance, and expanding reach in non-metro cities and economic hubs.

Key Responsibilities:

Business Growth & P&L Ownership

• Own the Branch P&L through Annual Operating Plan (AOP) delivery, business volumes, collection efficiency, and expense control.
• Lead a team of Customer Account Managers (CAMs) to achieve sales and collections targets.
• Drive sustainable growth across MSME lending products like Loan Against Property (LAP) and Business Loans via the neighborhood lending model.
• Deliver on the annual Branch Scorecard, exceeding benchmarks in pricing, processing fees, CAC, insurance cross-sell, early bucket delinquency management, portfolio performance, renewals, top-ups, balance transfers, audits, customer servicing, and branch administration.
• Use competitive intelligence and local market insights to execute business strategy with speed and precision.

Distribution & Network Expansion

• Scale a full-service branch in the assigned region with budgets, analytics, marketing, HR, and credit support.
• Support central leadership in identifying branch premises and administrative requirements for quick ramp-up.
• Drive direct sourcing through customer events, exhibitions, loan melas, MSME conclaves, database acquisition, tele calling, beat plans, cluster roadshows, and local merchant connections.

Team Leadership & Capability Building

• Lead a team of CAMs responsible for sales and collections.
• Recruit, coach, and develop a high-performance team capable of assuming Branch Head roles in the future.
• Foster a culture of ownership, collaboration, proactiveness, compliance, and customer-first execution.

Risk, Compliance & Operational Excellence

• Ensure regulatory adherence, internal audit readiness, and governance excellence.
• Maintain cost control, sourcing quality, recoveries, TATs, 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 market intelligence to identify new business opportunities and mitigate risks.
• Stay ahead of trends in industries, customer behaviors, and competitor activities.

Qualification & Experience:

• Postgraduate degree (MBA or equivalent) from a reputed institution.
• Graduation and schooling from recognized institutions.
• 710 years of team-handling and branch experience in Banks, NBFCs, HFCs, SFBs, or Fintechs.
• Proven ability to balance sales and collections for consistent branch scale-up and profitability.

Strong knowledge of secured lending products: LAP, Home Loans, Business Loans, Working Capital Finance.

• Kalburagi, Salem, Thiruvallur