Branch Manager

Key Responsibilities:

Business Growth & Portfolio Management

• Drive branch-level disbursement, growth, and profitability for Group Loans.
• Develop and implement strategies to achieve monthly / quarterly / annual business targets.
• Build strong relationships with customers, self-help groups, and community stakeholders.
• Identify new market opportunities for branch business expansion.

Operations & Process Management

• Oversee end-to-end branch operations including sourcing, loan processing, disbursement, and collections.
• Ensure adherence to credit policies, operational SOPs, and regulatory norms.
• Maintain high standards of documentation, audits, and internal controls.
• Monitor turnaround time (TAT) for loan processing and disbursement.

Team Management & Leadership

• Recruit, train, and manage a team of Group Loan Officers / Relationship Officers.
• Set clear KPIs and monitor team performance regularly.
• Motivate the team and ensure high productivity and engagement levels.
• Conduct regular field visits for coaching and supervision.

Collection & Risk Management

• Monitor daily collections and minimize delinquency and NPA levels.
• Ensure timely follow-up and recovery actions for overdue accounts.
• Review credit risk and portfolio quality to control early warning signals.

Customer Service & Relationship Management

• Ensure high customer satisfaction through timely and transparent services.
• Resolve customer issues and queries efficiently.
• Strengthen customer retention and loyalty at branch level.

MIS & Reporting

• Prepare and submit daily, weekly, and monthly MIS reports.
• Track KPI dashboards and provide insights for business improvement.
• Ensure data accuracy and timely reporting to senior management.

Desired Candidate Profile:

• Graduate / Post Graduate (preferably in Finance, Commerce, or Business Management).
• Minimum 5 - 9 years of experience in Group Loans / Microfinance with at least 2 -3 years as Branch Manager or Team Lead in NBFC/MFI.
• Strong leadership, team handling, and field management skills.
• Sound knowledge of group lending operations, credit appraisal, and collections.
• Good communication skills in regional and English languages.
• Proficiency in MS Excel and basic MIS reporting.
• Willingness to travel extensively and work in field operations.

Key Competencies:

• Leadership & Team Management
• Business Development
• Risk & Credit Assessment
• Customer Management
• Analytical & Problem Solving Skills
• Result-Oriented Approach