Branch Manager/ ABM

Finodaya Capital; Ratlam; On-site; INR 600,000 - 1,000,000; Full time

Benefits offered by this job

Performance-based incentives

Travel and field allowance

Job summary

Finodaya Capital is seeking a Branch Manager in Ratlam, Madhya Pradesh, responsible for driving branch profitability, leading the sales team, and maintaining credit quality. The ideal candidate should possess a strong understanding of secured loans, team management experience, and local market knowledge.

This position offers a competitive compensation structure, including fixed salary and performance-based incentives, aimed at empowering India's smallest businesses.

Qualifications

• 3–8 years of experience in LAP/Mortgage/Secured Business Loan segment.
• Minimum 1–3 years of team handling experience as Branch Manager in NBFC/Bank.
• Strong local market knowledge of assigned geography.

Responsibilities

• Drive branch-level login and disbursement targets.
• Develop and execute local market expansion strategies.
• Ensure compliance with RBI and internal NBFC norms.
• Recruit, train, and supervise Relationship Managers.

Skills

Leadership and team management skills

Strong sales and negotiation capability

Credit and risk assessment understanding

Operational and compliance orientation

Analytical skills for portfolio monitoring

Decision-making and problem-solving ability

Education

Graduate/Postgraduate in Commerce, Finance, or Management

Job description

Branch Manager/ ABM

Jaora, Dhar, Khandwa, Khargone, Nagda, Ratlam, India | Posted on 06/17/2026

• Country India

About Us

Finodaya Capital embodies Local Roots. National Ambitions. We’re built on a simple but bold idea: small businesses deserve big support. Backed by banking veterans and powered by cutting-edge tech, we’re a tech-enabled NBFC dedicated to empowering India’s smallest businesses.

We’re fluent in spreadsheets and street wisdom, combining human intelligence with digital precision to deliver personalized financial solutions.

Job Description

Role Overview

The Branch Manager (BM) will be responsible for overall branch profitability, team performance, portfolio quality, and regulatory compliance. The role involves leading the sales team (RMs), driving secured loan disbursements (primarily Loan Against Property – LAP), ensuring credit quality, and maintaining operational discipline while safeguarding portfolio health.

Key Responsibilities

• 1. Business Growth & Target Achievement:
  • Drive branch-level login and disbursement targets.
  • Develop and execute local market expansion strategies.
  • Monitor daily, weekly, and monthly sales funnel metrics.
  • Activate and manage local sourcing channels (connectors, brokers, referral networks).
  • Ensure achievement of revenue and profitability targets for the branch.
  • Recruit, train, and supervise Relationship Managers (RMs).
  • Set individual targets and monitor performance through structured reviews.
  • Conduct field visits with RMs for productivity enhancement.
  • Ensure discipline, attendance, and ethical sales practices.
  • Build a high-performance sales culture within the branch.
• 3. Credit Oversight & Documentation Control:
  • Conduct preliminary screening of cases before credit submission.
  • Ensure complete and accurate documentation before login.
  • Coordinate with credit, legal, and operations teams to maintain TAT.
• 4. Process, Compliance & Risk Management:
  • Ensure strict adherence to RBI and internal NBFC compliance norms.
  • Maintain audit-ready branch documentation and records.
  • Monitor portfolio delinquency (PAR) and initiate early risk mitigation.
  • Oversee KYC, AML, and policy compliance across all sourced cases.
  • Monitor repayment trends and bucket movement.
  • Collections for delinquent accounts.
  • Ensure portfolio quality remains within defined risk thresholds.
  • Maintain healthy customer relationships to support repeat business and references.

Key Performance Indicators (KPIs)

• Branch monthly login volume
• Revenue and profitability metrics
• File quality ratio / rejection rate
• Team productivity per RMCompliance and audit observations

Eligibility Criteria

• Graduate / Postgraduate in Commerce, Finance, or Management preferred.
• 3–8 years of experience in LAP / Mortgage / Secured Business Loan segment.
• Minimum 1–3 years of team handling experience as Branch Manager in NBFC/Bank.
• Strong local market knowledge of assigned geography.

Requirements

• Leadership and team management skills
• Strong sales and negotiation capability
• Credit and risk assessment understanding
• Operational and compliance orientation
• Analytical skills for portfolio monitoring
• Decision-making and problem-solving ability

Compensation Structure

• Fixed salary (as per experience and branch scale)
• Performance-based incentives linked to branch disbursement and portfolio quality
• Travel and field allowance (as applicable)