Branch Manager

HDB Financial Services; Phalegaon, Indore, Dhar; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

HDB Financial Services is seeking a Branch Manager to lead profitability and portfolio quality at the Maharashtra branch. You will set targets, monitor performance, and drive underwriting diligence in tandem with collections to improve overall profitability.

You will manage costs, supervise HR and administration, and focus on delivering superior customer experience while maintaining optimal branch operations and staff productivity.

Qualifications

• 7-8 years experience with at least 4 years in Retail Assets.
• Ability to plan & execute in a branch environment.
• Strong leadership and interpersonal skills to build professional work culture.
• Understanding of credit risks & operational risks.

Responsibilities

• Achieve contributed value targets for the branch.
• Ensure sales volumes and underwriting diligence to meet targets while controlling delinquencies and frauds.
• Provide superior customer experience and monitor TATs in credit & processing.
• Manage branch performance through key drivers: profitability, expenses and losses.
• Motivate and develop the branch team and minimize staff attrition.

Skills

Retail Assets

Team Leadership

Credit Risk

Change Management

Interpersonal Skills

Job description

Job Role :

• 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

• 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 feedback.

Mandatory Skills :

• 7-8 Years experience, with atleast 4 years in Retail Assets
• Ability to plan & execute
• Strong inter-personal skills and leadership ability,
• Ability to create professional work culture that encourages enthusiasm and team spirit
• Understanding of credit risks & operational risks.
• Ability to manage and implement change by taking complete ownership