Business loans - Branch manager

Product: Business Loans

Key Responsibilities:

1. Branch Leadership & Business Development

• Lead the branch in achieving business loan sales targets and revenue goals.
• Develop strategies to expand the SME and business loan portfolio.
• Identify new business opportunities through market research, networking, and partnerships.
• Build and maintain strong relationships with key business clients.

2. Loan Portfolio Management

• Oversee the entire business loan cycle—from sourcing to approval and disbursement.
• Ensure healthy portfolio growth with low delinquency and optimal asset quality.
• Monitor loan performance, delinquency, and early warning indicators.
• Support restructuring or remedial actions where necessary.

3. Credit & Risk Compliance

• Ensure all loan applications meet internal credit policies and regulatory guidelines.
• Collaborate with the Credit Manager to ensure quality underwriting and documentation.
• Conduct periodic reviews of high-value accounts and risky exposure.
• Ensure compliance with audit, internal controls, and risk management frameworks.

4. Team Management & Development

• Lead, mentor, and motivate branch staff including Relationship Officers and Credit Officers.
• Set performance goals, conduct appraisals, and provide coaching and training.
• Foster a strong sales culture while ensuring disciplined credit practices.
• Promote teamwork, customer focus, and operational excellence.

5. Operational & Customer Service Excellence

• Oversee branch operations to ensure efficient workflow and customer satisfaction.
• Ensure timely resolution of customer complaints and support smooth service delivery.
• Maintain proper documentation, reporting, and operational compliance.
• Ensure branch facilities, resources, and systems are optimized for performance.

6. Stakeholder & Cross-Functional Collaboration

• Coordinate with senior management, credit, legal, and operations teams to support branch activities.
• Represent the branch in regional meetings, performance reviews, and business planning sessions.
• Develop partnerships with local business communities and industry associations.

Qualifications & Experience:

Education

• Bachelor’s degree in Business, Finance, Banking, Economics, or related field.
• Master’s degree or professional certifications (e.g., Banking, Credit, Management) are a plus.

Experience

• 5–7+ years of experience in business banking, SME lending, or financial services.
• At least 2–3 years in a leadership or branch management role.
• Proven track record of achieving sales targets and managing loan portfolios.

Skills & Competencies:

• Strong leadership and people management skills.
• In-depth knowledge of business loans, SME financing, and credit processes.
• Excellent sales, negotiation, and client relationship skills.
• Strong analytical skills with good understanding of financial statements.
• High level of integrity, professionalism, and decision-making ability.
• Effective communication and stakeholder management skills.
• Proficiency in MS Office and core banking systems.

Key Attributes:

• Result-driven and business-focused
• Customer-centric approach
• Strategic thinker with operational discipline
• Strong organizational and time-management skills
• Ability to work under pressure and meet deadlines

Working Conditions:

• Branch-based role with regular field visits for client meetings.
• May require extended hours during month-end or peak business periods.

Job Type: Full-time

Location: As per company requirement

Salary: Attractive salary + Business Incentives + Petrol Allowance + Yearly Once bonus & Appraisal + PF & ESI.

Job Types: Full-time, Permanent

Pay: ₹25,000.00 - ₹50,000.00 per month

Benefits:

• Provident Fund

Ability to commute/relocate:

• Perambur, Chennai, Tamil Nadu: Reliably commute or willing to relocate with an employer-provided relocation package (Preferred)

Education:

• Master's (Required)

Experience:

• business loan: 5 years (Required)
• business banking: 5 years (Required)

Willingness to travel:

• 50% (Required)

Work Location: In person