Branch Head

Company Description

NeoGrowth is a new-age lender, with a focus on Micro, Small, and Medium Enterprises (MSMEs). It is a systemically Important, Non-Deposit taking Non- Banking Financial Company (NBFC-ND-SI), offering a wide range of products tailored to the dynamic needs of small businesses. Its data science and technology-led approach enables it to offer quick and hassle-free loans to MSMEs. NeoGrowth offers a unique daily repayment option to its customers with multi-channel repayment modes. It has served and engaged with businesses and supported them with their growth ambitions. It not only helps small businesses grow but also drive financial inclusion making a positive social impact. 

Department: Sales – Secured Laons

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 Managers ) 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 

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

• Graduation and Schooling from reputed institutions of the country

Experience Requirements

• 7 to 10 years of team handling and branch experience in 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