Branch Manager

HDB Financial Services Ltd.; Ujjain; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

HDB Financial Services Ltd. invites applications for a branch role focused on profitability management. The role involves optimizing branch profitability, managing costs, and setting targets to drive growth.

You will oversee underwriting quality, collections coordination, and customer experience, while guiding the branch team and ensuring HR administration runs smoothly. The position demands strong leadership and performance monitoring across metrics.

Qualifications

• Experience in branch profitability management and cost optimization.
• Ability to monitor and achieve branch targets with quality underwriting.
• Leadership and HR administration skills.

Responsibilities

• Achieve branch value targets and sales volumes across products.
• Ensure underwriting quality while controlling delinquencies and frauds.
• Provide superior customer experience and manage collections.
• Ensure timely credit processing and minimize discrepancies.
• Monitor branch performance across key drivers and productivity.
• Coach and develop branch team and minimize attrition.
• Conduct regular meetings and provide feedback.

Skills

Profitability

Portfolio quality

Cost management

People management

Customer experience

Target setting

Performance monitoring

HR administration

Underwriting

Collections

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.