Senior Branch Manager

Job Title: Branch Manager – NBFC (Non-Banking Financial Company)

Location: Alappuzha, Kerala
Department: Operations / Sales & Business Development
Employment Type: Full-Time

About the Role:

We are seeking a dynamic and result-oriented Branch Manager to lead our branch operations in Alappuzha region. The ideal candidate should have a proven track record in financial services, lending, and team leadership, with strong business acumen to drive growth, ensure compliance, and maintain high customer satisfaction.

Key Responsibilities:

1. Branch Operations & Management

• Oversee daily branch operations, ensuring adherence to company policies, RBI guidelines, and NBFC regulations.
• Manage branch profitability and operational efficiency.
• Supervise cash management, collections, and audit processes.

2. Business Development & Sales

• Drive business growth through acquisition of new customers for loan products (SME loans, personal loans, gold loans, vehicle loans, etc.).
• Develop and implement local marketing initiatives to achieve branch targets.
• Build and maintain relationships with customers, business partners, and local market stakeholders.

3. Credit & Collections

• Monitor loan disbursement, repayment schedules, and portfolio health.
• Ensure effective collections and minimal delinquency through proactive follow-up and recovery processes.
• Conduct credit assessment and ensure quality sourcing in line with company norms.

4. Team Leadership & Performance Management

• Lead, motivate, and train branch staff to achieve performance goals.
• Conduct periodic performance reviews and implement improvement plans.
• Foster a customer-first culture and ensure excellent service delivery.

5. Compliance & Reporting

• Ensure full compliance with internal audit, regulatory, and statutory requirements.
• Maintain accurate MIS and timely reporting to regional and head office teams.

Key Skills & Competencies:

• Strong leadership and decision-making skills
• In-depth knowledge of NBFC operations, credit, and collections
• Excellent communication, negotiation, and interpersonal skills
• Target-oriented mindset with focus on business growth and risk management
• Proficiency in MS Office and financial reporting tools

Qualification & Experience:

• Education: Graduate/Post-Graduate in Commerce, Finance, or Business Administration
• Experience: 5–8 years of experience in the NBFC/BFSI sector, with at least 2 years in a branch leadership role
• Preferred Background: Candidates with exposure to retail lending, gold loans, MSME loans, or microfinance

Job Type: Full-time

Pay: ₹18,944.71 - ₹34,335.14 per month

Benefits:

• Health insurance