Branch Manager

Headcounts Hr; Bengaluru; On-site; INR 1,200,000 - 1,900,000; Full time

Job summary

HDB Financial Services is seeking a Branch Manager – Home Loan & LAP to lead the branch's sales, target delivery, and profitability. The role focuses on Home Loans and LAP, managing a sales team, DSAs, and channel partners to drive business and ensure timely processing.

Candidates should have 5+ years in home loan/mortgage sales, branch experience, strong local market knowledge, and a proven track record of targets. Adept leadership and adherence to credit and regulatory standards are essential.

Qualifications

• 5+ years in Home Loan/LAP/Mortgage sales.
• Experience in branch and team handling.
• Strong local market knowledge and DSA/channel network.
• Track record of achieving sales and disbursement targets.

Responsibilities

• Drive branch Home Loan and LAP business targets.
• Develop branch sales strategies to meet disbursement and revenue goals.
• Manage DSAs, connectors, builders, and other channel partners.
• Lead branch sales team and set targets.
• Oversee customer acquisition and risk-aware lending.
• Coordinate with Credit, Operations, Legal and Technical teams.
• Ensure portfolio quality and compliance with policies.

Skills

DSA network

Team leadership

Relationship management

Mortgage product knowledge

Education

Bachelor's / Master's degree in relevant field

Job description

Job Description Branch Manager – Home Loan & LAP

Company: HDB Financial Services
Designation: Branch Manager – Home Loan & LAP
Function: Sales & Business Development
Location: As per requirement
Experience: 5+ years in Home Loan / LAP / Mortgage Sales, preferably with branch/team-handling experience

Role Purpose

The Branch Manager will be responsible for driving the overall business of the branch for Home Loans and Loan Against Property (LAP). The role involves managing sales performance, building and maintaining relationships with DSA/DSA channels, generating quality leads, ensuring timely file processing and disbursement, and achieving branch-level business and profitability targets.

Key Responsibilities

1. Branch Business & Sales

• Drive monthly, quarterly and annual Home Loan and LAP business targets.
• Develop and execute branch-level sales strategies to achieve disbursement and revenue targets.
• Identify new business opportunities within the assigned geography.
• Ensure healthy business volumes while maintaining portfolio quality.

2. DSA & Channel Management

• Build, develop and maintain strong relationships with DSAs, connectors, builders, property dealers and other channel partners.
• Identify and onboard new productive DSAs to increase branch sourcing.
• Regularly monitor DSA productivity, login volumes, approval ratios and disbursements.
• Conduct joint visits and business reviews with key channel partners.

3. Team Management

• Lead and manage the branch sales team, including Relationship Managers/Sales Managers.
• Set individual targets and monitor daily/weekly/monthly performance.
• Conduct regular team reviews, pipeline meetings and performance assessments.
• Coach the team on sourcing, customer handling, documentation and conversion.
• Ensure optimum productivity and motivate the team to achieve targets.

4. Home Loan & LAP Sales

• Generate business through Home Loan, LAP and mortgage products.
• Handle customer acquisition from direct as well as channel-generated leads.
• Understand customer financial requirements and recommend suitable loan products.
• Ensure quality sourcing with proper assessment of customer profile, income, property and repayment capacity.
• Drive conversion from login to sanction and sanction to disbursement.

5. Credit & Operations Coordination

• Coordinate closely with Credit, Operations, Legal and Technical teams for smooth processing.
• Ensure complete and accurate documentation before login.
• Track files at every stage – login, credit assessment, legal/technical, sanction and disbursement.
• Resolve discrepancies and ensure faster turnaround time.
• Maintain proper control over pending files and reduce rejection/dropout ratios.

6. Portfolio Quality & Compliance

• Ensure sourcing of quality customers and maintain portfolio quality.
• Adhere to company credit policies, KYC requirements and regulatory guidelines.
• Monitor early warning signals and coordinate with relevant teams for portfolio-related issues.
• Ensure zero tolerance for mis-selling, fraudulent documentation and policy deviations.

7. Market & Competitor Analysis

• Continuously study the local mortgage market, property trends and competitor offerings.
• Identify potential locations, customer segments and business pockets.
• Develop relationships with builders, real estate consultants and local business networks to generate new opportunities.

Key Performance Indicators

• Monthly Home Loan & LAP disbursement
• Login and sanction volumes
• Branch revenue and profitability
• DSA productivity and activation
• Conversion ratio
• Team productivity
• Portfolio quality
• TAT and operational efficiency
• New channel acquisition

Candidate Profile

• Graduate/Postgraduate preferred.
• 5+ years of relevant experience in Home Loan, LAP, Mortgage, Housing Finance or secured lending.
• Experience in branch/team handling is preferred.
• Strong DSA/channel network and local market knowledge.
• Proven track record of achieving sales and disbursement targets.
• Good understanding of mortgage products, credit processes, property documentation and customer profiling.
• Strong leadership, negotiation and relationship-management skills.

Preferred Background: Candidates from HFCs, NBFCs and banks handling Home Loan/LAP/Mortgage sales, particularly those with strong DSA/channel management experience.