Position Title: Branch Manager / Branch In-Charge
Department: Sales & OperationsBusiness Segment: Retail Assets & LiabilitiesReports To: Area Manager / Regional ManagerRole Overview: The Branch Manager is responsible for the comprehensive management of branchoperations, driving business development, leading the team, and ensuring exceptional service delivery.This position requires a strategic leader with strong interpersonal skills, capable of enhancingprofitability, optimizing customer experience, and maintaining full regulatory compliance. Thesuccessful candidate will possess a balanced combination of sales expertise, operational knowledge,and leadership acumen to effectively elevate branch performance.Key ResponsibilitiesBusiness Development & Revenue Growth
- Spearhead branch growth initiatives across both asset (loan) and liability (deposit) portfolios.
- Develop and implement strategic plans to meet or exceed sales targets for all products and
services.
- Identify and leverage local market opportunities through targeted outreach efforts.
- Establish strategic partnerships with local businesses, community influencers, and
stakeholders to generate leads and enhance market presence.
- Ensure timely follow-up and maximize the renewal of all eligible Fixed Deposit (FD) accounts,
maintaining proper tracking and closure of each case in the branch.
- Ensure regular follow-up on all Recurring Deposit (RD) renewals and loan repayments,
promoting financial discipline among customers and timely adherence to commitments.
Customer Relationship Management
- Build and maintain strong relationships with customers to ensure high satisfaction and loyalty.
- Address customer inquiries and resolve grievances promptly, upholding service excellence.
- Promote and encourage adoption of digital banking services among customers.
Operational Management
- Oversee day-to-day branch operations, including cash management, documentation, and
compliance audits.
- Monitor cash flows, maintain accurate financial records, and manage branch inventory
controls.
- Conduct periodic reviews and audits to identify and mitigate operational risks and
discrepancies.
Team Leadership & Development
- Lead, coach, and motivate branch staff to achieve individual and team performance objectives.
- Define clear KPIs, conduct performance appraisals, and organize training programs to foster
professional growth.
- Cultivate a culture of accountability, teamwork, and continuous improvement within the
branch.
- Motivate team members through effective training, continuous handholding, and support,
while ensuring attrition is controlled in the branch.
Compliance & Risk Mitigation
- Ensure strict compliance with regulatory requirements, internal policies, and cooperative
banking standards.
- Perform regular audits and implement corrective actions as necessary.
- Manage risk effectively by enforcing credit appraisal procedures, documentation standards,
and recovery processes.
Financial Oversight & Reporting
- Monitor branch profitability, manage operational costs, and ensure financial sustainability.
- Prepare and submit timely and accurate reports covering business performance, customer
feedback, and operational metrics.
- Collaborate with finance, HR, and audit teams to maintain data integrity and regulatory
compliance.
Branch Environment & Brand Representation
- Maintain a clean, professional, and welcoming branch environment consistent with
organizational standards.
- Represent the organization professionally in all external and community engagements.
Additional Responsibilities
- Coordinate with other departments such as marketing, compliance, and technology to support
organization-wide initiatives.
- Monitor local competition and customer behaviour to inform sales and service strategies.
- Be available to provide support to nearby branches or undertake additional responsibilities as
required.
Qualifications & Experience
- Bachelor’s degree in any discipline; Master’s degree preferred.
- 3 to 5 years of leadership experience within banking, NBFCs, cooperative societies, or other
financial institutions.
- Proven track record in sales with experience in field-based customer acquisition.
- Excellent communication, interpersonal, and team management skills.
- Strong knowledge of financial products, KYC regulations, lending, and recovery processes.
- Proficiency in English and the relevant regional language is mandatory.
- Residency within a 20 km radius of the branch location.
- Clean credit history with a minimum Equifax or CIBIL score of 600+ preferred.
Skills: sales expertise,operational management,financial management,sales strategy,loan,financial oversight,gold loan,communication,team building,customer relationship management,market development,field sales,leadership,interpersonal skills,branch business,branch banking
