Branch Manager

HDB Financial Services; Pune District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

HDB Financial Services in Pune seeks an experienced Branch Manager to lead profitability, sales execution, risk management, and customer experience. You will monitor performance, manage costs, and drive a high-performing team to achieve branch targets while ensuring operational discipline and strong customer service.

The role demands leadership, strategic planning, and ownership of end-to-end branch operations, with focus on underwriting quality, collections collaboration, and employee

Qualifications

• 7-8 years of experience with at least 4 years in Retail Assets.
• Ability to plan and execute.
• Strong interpersonal and leadership abilities.
• Fosters a professional work culture with teamwork.
• Understanding of credit risk and operational risk.
• Able to manage and implement change with ownership.

Responsibilities

• Achieve contributed value targets set for the branch.
• Ensure sales volumes across multiple products and underwriting diligence to meet targets while controlling delinquencies.
• Provide superior customer experience.
• Manage TATs on credit and processing.
• Minimize pre- and post-disbursal discrepancies.
• Monitor branch performance using key drivers like profitability, expenses, and losses.
• Focus on employee retention and productivity.
• Drive branch team to excel and maintain low attrition.

Skills

Experience leadership

Strategic planning

Interpersonal skills

Change management

Credit risk awareness

Operational risk awareness

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 :

• 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 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