Branch Business Manager

Chola; Chennai District; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

Chola is seeking a Branch Business Manager (BBM) to drive growth, manage branch operations, and lead a sales-oriented team in Chennai. The role focuses on achieving targets, expanding the customer base, and ensuring regulatory compliance.

You will oversee marketing strategies, portfolio quality, and risk controls while fostering strong customer relationships and cross-sell opportunities. Experience in Home Loans and LAP is preferred.

Qualifications

• Graduate/Postgraduate in Business Administration, Commerce, Finance, or related field.
• Relevant experience in Banking, NBFC, Financial Services in Home Loans, LAP.

Responsibilities

• Achieve branch business targets across all assigned products.
• Drive customer acquisition and portfolio growth.
• Develop and implement branch-level marketing and sales strategies.
• Identify new business opportunities through direct sourcing, referrals, and channel partnerships.
• Monitor market trends and competitor activities.
• Lead, guide, and motivate the branch team to achieve business objectives.
• Set individual performance goals and monitor productivity.
• Conduct regular training, coaching, and performance reviews.
• Ensure manpower planning and employee engagement within the branch.
• Build and maintain strong relationships with customers.
• Ensure high standards of customer service and timely issue resolution.
• Enhance customer retention and cross-selling opportunities.
• Conduct customer visits and relationship-building activities.
• Oversee day-to-day branch operations.
• Ensure adherence to SOPs.
• Monitor branch productivity, efficiency, and service quality.
• Maintain branch records and documentation accuracy.
• Ensure compliance with regulatory, statutory, and internal guidelines.
• Monitor portfolio quality and collection efficiency.
• Manage operational and credit risks within acceptable limits.
• Support internal and external audits and ensure timely closure of observations.
• Monitor disbursement quality and portfolio performance.
• Track delinquency levels and initiate corrective action.
• Coordinate with collections teams to improve recovery performance.
• Maintain healthy asset quality and minimize business risks.
• Prepare and review business performance reports.
• Analyze branch profitability and key performance indicators.
• Provide timely MIS and management updates.
• Implement action plans based on business performance reviews.

Skills

Sales & business development

Leadership

Customer relationship management

Analytical

Communication

Risk & compliance

Operational management & reporting

Home Loans

Loan Against Property

Education

Graduate/Postgraduate in Business Administration, Commerce, Finance, or related field

Job description

Job Title: Branch Business Manager (BBM)

Job Purpose

The Branch Business Manager is responsible for driving business growth, managing branch operations, ensuring customer satisfaction, achieving sales targets, and maintaining compliance with organizational policies and regulatory requirements. The role involves leading a team to maximize productivity, portfolio quality, and profitability of the branch.

Key Roles & Responsibilities

Business Development & Sales

• Achieve branch business targets across all assigned products.
• Drive customer acquisition and portfolio growth.
• Develop and implement branch-level marketing and sales strategies.
• Identify new business opportunities through direct sourcing, referrals, and channel partnerships.
• Monitor market trends and competitor activities.

Team Management

• Lead, guide, and motivate the branch team to achieve business objectives.
• Set individual performance goals and monitor productivity.
• Conduct regular training, coaching, and performance reviews.
• Ensure manpower planning and employee engagement within the branch.

Customer Relationship Management

• Build and maintain strong relationships with customers.
• Ensure high standards of customer service and timely issue resolution.
• Enhance customer retention and cross-selling opportunities.
• Conduct customer visits and relationship-building activities.

Operational Excellence

• Oversee day-to-day branch operations.
• Ensure adherence to standard operating procedures (SOPs).
• Monitor branch productivity, efficiency, and service quality.
• Maintain branch records and documentation accuracy.

Risk, Compliance & Audit

• Ensure compliance with regulatory, statutory, and internal guidelines.
• Monitor portfolio quality and collection efficiency.
• Manage operational and credit risks within acceptable limits.
• Support internal and external audits and ensure timely closure of observations.

Portfolio & Collection Management

• Monitor disbursement quality and portfolio performance.
• Track delinquency levels and initiate corrective action.
• Coordinate with collections teams to improve recovery performance.
• Maintain healthy asset quality and minimize business risks.

Reporting & MIS

• Prepare and review business performance reports.
• Analyze branch profitability and key performance indicators.
• Provide timely MIS and management updates.
• Implement action plans based on business performance reviews.

Key Performance Indicators (KPIs)

• Business volume achievement.
• Customer acquisition and retention.
• Cross-sell and upsell performance.
• Portfolio quality and delinquency management.
• Team productivity.
• Branch profitability.

Qualifications

• Graduate/Postgraduate in Business Administration, Commerce, Finance, or related field.
• Relevant experience in Banking, NBFC, Financial Services in Home Loans, LAP.

Required Skills

• Sales and business development.
• Leadership and team management.
• Customer relationship management.
• Analytical and problem-solving ability.
• Communication and negotiation skills.
• Risk and compliance awareness.
• Operational management and reporting.
• Home Loans
• Loan Against Property

Reporting To

• Regional Business Manager