Branch Manager

Harvest Capital Multistate Agro Cooperative Society Limited; Ernakulam, Kottayam, Kumily; On-site; INR 350,000 - 700,000; Full time

Job summary

Harvest Capital Multistate Agro Cooperative Society Limited in Kerala seeks an experienced Branch Operations Manager to supervise day-to-day activities, safeguard loan and savings portfolios, and implement microfinance programs. You will lead staff, ensure compliance, and maintain strong client relationships.

The role requires at least 1 year in personnel management and lending processes, with excellent communication and computer skills, and willingness to engage in field work.

Qualifications

• Minimum 1 year in personnel management, program planning, monitoring, and evaluation.
• Knowledge of lending processes and business analysis.
• Strong oral and written communication skills.
• Proficiency in computer applications.

Responsibilities

• Supervise day-to-day operations to ensure efficiency, accuracy, and compliance.
• Monitor and safeguard loan and savings portfolios, ensuring timely collection and minimal delinquency.
• Execute company policies and microfinance programs as approved by the central office.
• Maintain strong client relationships and ensure a high standard of service delivery.
• Lead, train, and motivate branch personnel; ensure effective client engagement.
• Prepare budgets, forecasts, and performance plans; submit accurate reports within deadlines.
• Identify growth opportunities and strengthen the branch’s presence in the community.
• Maintain accurate and timely records, ensuring integrity of data in systems and reports.

Skills

Personnel management

Program planning

Monitoring & evaluation

Lending processes

Business analysis

Communication skills

Computer applications

Job description

Role & responsibilities

• Branch Operations Management Supervise day-to-day operations to ensure efficiency, accuracy, and compliance.
• Portfolio Security Monitor and safeguard loan and savings portfolios, ensuring timely collection and minimal delinquency.
• Program & Policy Implementation Execute company policies and microfinance programs as approved by the central office.
• Customer Service Maintain strong client relationships and ensure a high standard of service delivery.
• Client & Staff Management Lead, train, and motivate branch personnel; ensure effective client engagement.
• Financial Planning & Reporting – Prepare budgets, forecasts, and performance plans; submit accurate reports within deadlines.
• Market Positioning – Identify growth opportunities and strengthen the branch’s presence in the community.
• Information Management – Maintain accurate and timely records, ensuring integrity of data in systems and reports.

Experience & Skills:

• Minimum 1 year in personnel management, program planning, monitoring, and evaluation.
• Knowledge of lending processes and business analysis.
• Strong oral and written communication skills.
• Proficiency in computer applications.

Personal Attributes:

• flexible, team-oriented, and committed to development work.
• Responsible, patient, hardworking, disciplined, and fair.
• Analytical, risk-taker, and open to field work.

Job Location

All Kerala requirements