Branch Manager _ Mandya

• Business Development Sourcing
• Drive LAP business through DSA, DST, connectors, and direct channels.
• Identify new markets and customer segments for business expansion.
• Build relationships with key stakeholders (brokers, builders, financial advisors).
• Team Leadership
• Manage and mentor a team of Relationship Officers, Credit Officers, and back-office staff.
• Set clear targets and review performance regularly.
• Ensure productivity and adherence to company policies.
• Credit Risk Management
• Ensure thorough credit appraisal of all loan proposals.
• Maintain portfolio quality through early delinquency control and risk assessment.
• Liaise with credit, legal, and technical teams for smooth file processing.
• Customer Experience
• Resolve customer queries and grievances promptly.
• Monitor post-disbursement documentation and servicing.
• Ensure high levels of satisfaction through process transparency.
• Compliance Operations
• Adhere to RBI, NBFC, and internal credit policy guidelines.
• Ensure proper documentation and data security standards.
• Maintain audit readiness at all times.
  

Key Performance Indicators (KPIs)

• Monthly/quarterly disbursement targets
• Portfolio delinquency (DPD) control
• Cross-sell conversions
• Team productivity metrics
• TAT on disbursements and file processing
  

Qualifications Experience

• Graduate/Postgraduate in Finance, Business, or related field
• 510 years of experience in LAP or mortgage lending
• Strong knowledge of credit, legal, and technical aspects of secured lending
• Leadership experience in managing sales and credit teams preferred
  

Skills Competencies

• Deep understanding of LAP products and customer profiles
• Strong interpersonal and negotiation skills
• Analytical mindset with attention to detail
• Proficiency in loan management systems and MS Office