Branch Manager

Branch Manager ( LAP ).

Please share your resume at d.rajib10@e-hireo.com.

Role : B.M - Branch Manager ( LAP )

Location: Bangalore

Exp: 3-6 Yrs

Salary: 10 LPA

About Company:

KreditBee is India's largest fintech lending platform with a current monthly disbursement of over 2500 Crores. It has 80 Million+ downloads on Google Play Store and over 150 Million unique loan customers. It offers various financial services digitally including but not limited to Personal Loans, Business Loans, Loan against property (LAP), DigiGold investment, Insurance, Credit Score Report, and Expense Tracker. The group entity has an in-house RBI registered NBFC, and is currently Series-D funded with marque investors like Premji Invest, Advent International, Motilal Oswal Private Equity, MUFG and TPG-backed NewQuest, among others.

Key Responsibilities:

Branch Operations Management:

• Oversee the day-to-day operations of the branch, ensuring efficient workflow and adherence to company policies.
• Ensure the branch meets its targets for LAP disbursals, customer acquisition, and revenue generation.
• Implement branch-level strategies to drive business growth and profitability.
• Monitor branch performance through regular reviews and ensure compliance with all operational standards.

Sales Leadership:

• Lead the branch's LAP sales efforts, setting targets, and motivating the team to achieve them.
• Develop and implement sales strategies to increase the branchs market share in the LAP segment.
• Identify and pursue new business opportunities, including developing relationships with real estate agents, brokers, and other partners.
• Personally manage key customer relationships and handle complex or high-value LAP transactions.

Team Management:

• Recruit, train, and manage branch staff, including sales executives, loan officers, and support staff.
• Conduct regular performance reviews, providing feedback and coaching to ensure staff meet their individual targets and professional development goals.
• Foster a positive and collaborative work environment, encouraging teamwork and high levels of employee engagement.
• Ensure all team members are well-versed in LAP products, compliance requirements, and customer service standards.

Customer Relationship Management:

• Ensure the branch delivers a high standard of customer service, building strong relationships with both new and existing clients.
• Oversee the resolution of customer issues and complaints, ensuring prompt and effective solutions.
• Develop and maintain relationships with high-net-worth individuals and corporate clients for LAP offerings.
• Promote customer retention and satisfaction through personalized service and effective problem-solving.

Risk and Compliance Management:

Ensure all LAP loan applications are processed in accordance with company policies and regulatory requirements.

• Work closely with the credit and risk teams to assess and manage the risk associated with LAP transactions.
• Ensure the branch adheres to all regulatory requirements, including KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines.
• Conduct regular audits and reviews to ensure compliance and mitigate potential risks.

Reporting and Documentation:

• Prepare and present regular reports on branch performance, including metrics such as loan disbursals, conversion rates, and profitability.
• Ensure accurate and timely documentation of all branch activities, including customer interactions and loan processing.
• Maintain up-to-date records in the companys CRM and loan management systems.
• Assist in the preparation of branch-level business plans and budgets.

Continuous Improvement:

• Stay updated on industry trends, market conditions, and competitor activities in the LAP segment.
• Identify opportunities for process improvements and implement best practices to enhance branch performance.
• Support the introduction of new products, technologies, and initiatives aimed at improving the LAP offering and customer experience.

Qualifications:

• Education:

  Bachelor’s degree in Business, Finance, or a related field preferred. MBA or equivalent qualification is a plus.

• Experience:

  Minimum of 7-10 years of experience in sales, with at least 3-5 years in a branch management or leadership role, preferably within the mortgage, real estate, or financial services industry.

Skills:

• Strong leadership and team management skills.
• Excellent communication, negotiation, and interpersonal skills.
• Deep understanding of LAP products, mortgage lending, and real estate markets.
• Proficiency with CRM software and branch management tools.
• Analytical skills to interpret sales data and make informed decisions.
• Knowledge of relevant laws and regulations governing mortgage lending and branch operations.