Branch Manager

Job Title:

Department:

Job Purpose:

The Branch Manager – LAP will be responsible for driving business growth and profitability of the branch by sourcing quality LAP (Loan Against Property) business, managing the sales team, ensuring compliance, and maintaining strong customer relationships.

Key Responsibilities:

1. Business Development & Sales

• Achieve business targets for the LAP product through direct sourcing, DSAs, and channel partners.
  
• Identify and develop new business opportunities in the local market.
  
• Ensure portfolio quality and maintain healthy credit standards.
  
• Conduct market analysis and competitor mapping to enhance branch performance.
  

2. Team Management

• Lead, motivate, and monitor the sales and operations team to achieve branch targets.
  
• Conduct regular performance reviews, training, and mentoring sessions.
  
• Ensure adherence to company policies, ethical sales practices, and compliance norms.
  

3. Credit & Operations

• Coordinate with the credit and operations team for timely sanction and disbursement of loans.
  
• Ensure proper documentation, verification, and risk assessment before disbursement.
  
• Monitor post-disbursement activities to maintain portfolio quality and collections.
  

4. Relationship Management

• Build and maintain relationships with customers, DSAs, builders, and other external stakeholders.
  
• Provide excellent customer service and ensure high satisfaction levels.
  
• Handle escalations and resolve customer grievances effectively.
  

5. Compliance & Audit

• Ensure 100% compliance with internal, regulatory, and audit requirements.
  
• Maintain branch records, MIS reports, and ensure timely submissions.
  

Key Skills & Competencies:

• Strong knowledge of

  Loan Against Property (LAP)

  and mortgage lending processes.
• Excellent sales and team leadership skills.
  
• Sound understanding of credit assessment and documentation.
  
• Relationship management and networking abilities.
  
• Result-oriented with strong analytical and problem-solving skills.
  
• Good communication and interpersonal skills.
  

Qualifications & Experience:

• Education:

  Graduate / Postgraduate in Finance, Business, or a related field.

• Experience:

  5–8 years in LAP / Mortgage Sales, with at least 2–3 years in a branch leadership role (preferably in NBFC Sector )

CTC: