Branch Manager-Vishakapatnam,Andhra Pradesh

Job Description

Roles and Responsibilities 1. Business Growth and Development Drive loan disbursement targets while ensuring sustainable and responsible portfolio growth. Identify and onboard potential clients or groups, particularly in underserved and remote areas. Develop and implement strategies to enhance branch outreach and improve market penetration. 2. Portfolio Quality Management Ensure timely loan repayments to maintain high portfolio quality. Monitor delinquent accounts and initiate timely corrective actions. Adhere strictly to credit policies to minimize Non-Performing Assets (NPAs) and proactively monitor client behavior. 3. Team Management and Leadership Provide guidance and mentorship to the branch team, including Assistant Branch Managers and Loan Officers. Set clear individual and team performance targets; conduct regular reviews and feedback sessions. Foster a culture of accountability, collaboration, and customer-centric service delivery. 4. Customer Relationship Management Build and sustain strong relationships with clients to promote trust and retention. Promptly address customer grievances and ensure high levels of client satisfaction. Conduct periodic group meetings to understand client needs and enhance engagement. 5. Compliance and Risk Management Ensure strict adherence to internal policies, standard operating procedures, and regulatory guidelines. Conduct regular audits of branch operations and documentation for compliance assurance. Identify operational and credit-related risks and implement preventive measures. 6. Operational Efficiency Supervise day-to-day branch functions, including cash management, loan processing, and documentation. Ensure timely and accurate reporting in line with organizational standards. Maximize the utilization of branch resources to improve cost-efficiency and service delivery. 7. Reporting and Communication Prepare and submit timely, accurate, and comprehensive performance reports to the reporting manager. Maintain clear and effective communication channels within the team and with regional/central office Desired Candidate Profile Minimum 3 years of relevant experience in managing MFI portfolio. Proficiency in MS Office Suite (Word, Excel, PowerPoint). Strong verbal and written communication skills with the ability to develop lasting client relationships. Demonstrated organizational and leadership capabilities with the ability to inspire and manage teams. Strong business acumen with a focus on strategy and growth. Willingness to travel extensively for operational oversight and client engagement. Proven team-handling experience with a collaborative and empowering approach.