Branch Manager - Tirunelveli / Tiruppur / Thiruvannamalai - Tamil Nadu

Job Title:- Branch Manager Small ticket Business LAP

Department:- Sales

Reporting To:- Regional Sales Manager / Zonal Sales Manager

Job Purpose:

Key Responsibilities:

1. Sales & Business Development

• Drive sales for the Micro LAP product (ticket size 550 lakhs)
• Achieve monthly and quarterly disbursement, yield, and cross-sell targets.
• Identify new business opportunities in branch catchment areas.
• Develop and implement local strategies to increase market penetration.

2. Team Management

• Lead, motivate, and monitor a team of Sales Officers / Relationship Managers.
• Guide the team on lead generation, customer acquisition, and file quality.
• Conduct regular performance reviews and ensure productivity targets are met.
• Train and mentor team members for skill enhancement and career growth.

3. Credit & Portfolio Quality

• Ensure sourcing of high-quality cases with proper due diligence.
• Maintain healthy portfolio quality by minimizing delinquency and NPAs.
• Coordinate with the credit and operations team for smooth loan processing.

4. Market & Competitor Analysis

• Keep track of market trends, competitor activities, and rate movements.
• Provide feedback to management for product and policy improvements.

5. Compliance & Documentation

• Ensure adherence to company policies, KYC, and regulatory guidelines.
• Maintain accurate MIS reports and ensure timely submission to management.

Key Skills & Competencies

• Strong understanding of secured lending / LAP / Micro LAP segment.
• Analytical mindset and problem-solving ability.
• Ability to work under pressure and achieve stretch targets.
• Proven track record in sales and team management.
• Excellent communication, negotiation, and relationship management skills.

Qualifications & Experience

• Graduate / Post Graduate in any discipline (MBA preferred).
• 3-5 years of experience in retail lending, preferably in Micro LAP / Secured SME loans.

Key Performance Indicators (KPIs):

• Monthly Disbursement & Yield Targets
• Team Productivity & Attrition
• Portfolio Quality (Delinquency levels)
• Sourcing Mix & Channel Development