Branch Manager

HDB Financial Services Ltd.; Ujjain; On-site; INR 800,000 - 1,200,000; Full time

Job summary

HDB Financial Services Ltd. seeks a branch-level profitability manager responsible for optimizing profitability, setting targets and monitoring branch performance.

You will oversee cost control, underwriting quality, collections coordination, and customer experience. The role emphasizes people management, driving team productivity, and maintaining high service standards while reducing delays in credit processing and disbursal discrepancies.

Responsibilities

• Business Achieve contributed value targets set for the branch.
• Ensure sales volumes across products, sourcing quality underwriting to meet targets while controlling delinquencies.
• Provide superior customer experience.
• Manage TAT's on credit processing.
• Minimize pre post disbursal discrepancies.
• Monitoring Performance.
• Monitor branch performance across value, volumes, profitability, expenses and customer experience.
• Monitor individual performance of each employee, continuously work to maximize productivity.
• Motivate and develop branch team to excel.
• Manage and mentor the team and keep attrition of branch staff low.
• Conduct regular meetings with branch staff and provide open, honest feedback.

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.