General Manager Operations

As a General Manager at BFIL, you will play a crucial role in driving business growth and maintaining financial sustainability while ensuring effective field operations and strong customer relationships. Your responsibilities will include: - **Business Development and Strategy**: - Drive business growth through member acquisition, loan disbursements, and cross-selling of CDF, two-wheeler, and IndusInd Banks liability products. - Develop and implement strategies to expand outreach in underserved areas by identifying new branch locations and piloting potential new products and services. - Maintain relationships with local communities and external stakeholders such as banks, local police, and leaders. - **Portfolio Management**: - Oversee a loan portfolio of INR 400-500 crores, ensuring growth, quality, and profitability. - Monitor and optimize loan performance to achieve "Current (No Dues)" status within BFILs "Dues Past Days (DPD)" or Arrear buckets. - Implement robust collection strategies to maintain member retention and promote backward flow of loans. - **Process Management**: - Ensure 100% adherence to established processes and policies, proactively addressing procedural gaps to minimize risk. - Drive process improvements in loan disbursement, collections, and customer service. - Regularly assess ground-level operations and implement corrective measures when required. - **Compliance and Risk Management**: - Ensure compliance with regulatory policies and identify/mitigate risks within the portfolio. - Address concerns raised by the audit team and implement recommendations. - Proactively identify Early Warning Signs of fraud and take preventive actions. - **Team Leadership**: - Lead, mentor, and manage a team of around 250 employees, ensuring recruitment, development, engagement, and retention. - Optimize resource utilization and efficiency within the team. - Collaborate with cross-functional teams to meet business objectives. - **Member Relationship Management**: - Oversee member acquisition, retention, and satisfaction across branches. - Monitor customer service standards and resolve escalated client issues. **Skills & Experience**: - Postgraduate degree in Business, Finance, or a related field. - 10-15 years of experience in microfinance, retail banking, or financial services, with at least 5 years in a leadership role. - Proficiency in MS Office or comparable software. - Strong leadership, people management skills, and proven track record in managing large loan portfolios. - In-depth understanding of microfinance products and markets. - Excellent communication and interpersonal skills. Join BFIL as a General Manager to drive business growth, ensure compliance, and lead a team towards financial sustainability and operational excellence.,