Branch Incharge - Unsecured Salaried Loan

HDB Financial Services; Indore, Khandwa, Nashik District; Presencial; INR 600 000 - 900 000; Tempo integral

Resumo da oferta

HDB Financial Services in Indore invites an experienced Branch Profitability Manager to lead financial performance, underwriting and customer service excellence.

You will set and monitor targets, manage costs, oversee HR and administration, drive sales across products, and ensure fast, accurate credit processing.

This role focuses on optimizing profitability, minimizing delinquencies and fraud, and delivering superior customer experience for the branch.

Responsabilidades

• Profitability management: maintain and optimize branch profitability.
• Set and monitor branch targets in numbers and volumes.
• Portfolio quality management via underwriting and collections.
• Cost management of all branch operating costs.
• People management: motivate and oversee HR and administration.
• Customer experience: ensure service quality and handle issues.
• Achieve value targets set for the branch.
• Drive sales across products with quality underwriting and anti-fraud focus.
• Provide superior customer experience.
• Manage TATs on credit and processing.
• Minimize pre- and post-disbursal discrepancies.
• Monitor branch performance on key drivers like profitability, volumes, expenses.
• Track employee retention and productivity.
• Monitor customer experience.
• Evaluate individual employee performance to maximize productivity.
• Motivate and develop branch team.
• Drive branch team to excel.
• Mentor staff and reduce attrition.
• Conduct regular meetings with branch staff.
• Provide open, honest feedback and seek input.

Descrição da oferta de emprego

Role & responsibilities

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 terms of collections, pre closures & service issues
• 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 TATs 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 feedbac