Branch Manager

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

Job summary

HDB Financial Services Ltd. is seeking a branch-focused role to strengthen profitability and manage operating costs. The incumbent will oversee underwriting quality, target achievement, and customer experience across the branch network.

The position requires leadership of a team, monitoring performance metrics, and driving efficiency in credit processing and collections.

Qualifications

• Experience in profitability management for a bank branch.
• Ability to monitor branch targets and performance.
• Experience in underwriting and collections.
• Strong cost management and HR administration.

Responsibilities

• Achieve branch value targets and sales volumes.
• Ensure quality underwriting to meet targets while controlling delinquencies and frauds.
• Provide superior customer experience.
• Manage credit processing turnaround times.
• Minimize disbursal discrepancies.
• Monitor branch performance via key drivers like profitability, volumes and expenses.
• Oversee team productivity and retention.
• Mentor staff to drive performance.
• Conduct regular meetings and provide feedback.

Skills

Profitability management

People management

Customer experience management

Cost management

Target setting

Job description

Job Role

The key functions will be 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.

Key Responsibilities

• 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.