Branch In-Charge

HDB Financial Services Ltd.; Dhrangadhra; On-site; INR 900,000 - 1,300,000; Full time

Job summary

HDB Financial Services Ltd. seeks a seasoned professional in Profitability Management to optimize branch profitability and drive performance.

The role emphasizes maintaining profitability, monitoring targets, and managing costs while ensuring high-quality underwriting and customer experience. The candidate should lead the branch team, coordinate across underwriting and collections, and focus on achieving sales volumes with controlled delinquencies and frauds, while nurturing a productive work

Qualifications

• Experience in profitability management within financial services or banking sector.
• Strong leadership and team management capabilities.
• Ability to plan, monitor and drive branch targets across products.

Responsibilities

• Plan and execute targets for all products.
• Monitor branch targets in numbers and volumes.
• Improve portfolio quality through underwriting and collaboration with collections.
• Manage branch operating costs including acquisition and operations.
• Motivate and lead the branch team and handle HR administration functions.
• Deliver superior customer experience and manage service issues in collections and pre-closures.
• Ensure sales volumes and underwriting quality meet targets while controlling delinquencies and frauds.
• Drive performance metrics: value, volumes, profitability, expenses, and productivity.

Skills

Profitability analysis

Branch operations

Leadership

Target setting

Customer service

Job description

Job Role

Profitability Management - Maintaining optimizing profitability for the branch.

Job Role

• Profitability Management - Maintaining optimizing profitability for the branch.
• Target setting management - Monitoring branch targets in numbers volumes.
• Portfolio quality management - through superior underwriting, working closely with collections.
• Cost management - managing all branch operating costs including cost of acquisition, operations etc.
• People management - Motivating team, handling HR administration function of the branch.
• Customer experience management - Ensuring superior customer experience and handling customer service in termsof collections, pre closures service issues Business Achieve contributed value targets set for the branch.
• Ensure sales volumes for multiple products, sourcing quality underwriting diligence to meet sales targets while controlling delinquencies and frauds.
• Provide superior customer experience.
• Manage TAT’s on credit processing.
• Minimize pre post disbursal discrepancies.
• Monitoring Performance Monitoring Branch performance in terms of key drivers i.e. Contributed Value / Volumes / Profitability / Expenses / Losses/ Employee Retention/ Employee Productivity/ Customer experience/ Monitor individual performance of each employee/ Continuously work to maximize productivity/ People Management/ Motivate and develop branch team.
• Drive branch team to excel.
• Manage and mentor the team and keep attrition of branch staff low.
• Conduct regular meeting with branch staff.
• Provide open and honest feedback and ask for feedback.

Key Responsibilities

• Ability to plan execute targets for all products.
• Strong inter-personal skills and leadership ability.
• Ability to create professional work culture that encourages enthusiasm and team spirit.
• Understanding of credit risks operational risks.
• Ability to manage and implement change by taking complete ownership