Branch Manager

HDB Financial Services Ltd.; Krishna District, Sri Sathya Sai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

HDB Financial Services Ltd. in Krishna District seeks an experienced Branch Manager to drive profitability, sales, underwriting, collections, and customer experience at the branch level. You will lead target setting, monitor performance, and manage costs while developing a high-performing team.

Ideal candidates will have 7-8 years of experience, strong leadership, and the ability to foster a professional work culture that promotes enthusiasm and teamwork across the branch.

Qualifications

• 7-8 years of experience in banking or financial services.
• Ability to plan and execute.
• Strong interpersonal and leadership skills.
• Ability to create professional work culture that encourages enthusiasm and team spirit.

Responsibilities

• Profitability management - Maintaining & optimizing profitability for the branch.
• Target setting & management - Monitoring branch targets in numbers & volumes.
• Portfolio quality management - through 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.
• 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.
• Monitor TATs on credit & processing; minimize pre & post disbursal discrepancies; monitoring performance; monitoring branch performance in terms of key drivers i.e. contributed value, volumes, profit, expenses, losses.
• Employee retention, productivity, and driving branch team to excel; conduct regular meetings and provide open and honest feedback.

Job description

Role & responsibilities

• Profitability Management - Maintaining &optimizing profitability for the branch
• Target setting & management Monitoring branchtargets in numbers & volumes
• Portfolio quality management - through superiorunderwriting, working closely with collections
• Cost management managing all branch operatingcosts including cost of acquisition, operations etc.
• People management Motivating team, handling HR& administration function of the branchCustomer experiencemanagement - Ensuring superior customer experience and handling customerservice in terms of 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.

Preferred candidate profile

• 7-8 Years experience
• Ability to plan & execute
• Strong inter-personal skills and leadership ability,
• Ability to create professional work culture that encourages enthusiasm and team spirit