Branch Manager/Branch In charge

HDB Financial Services; Surendranagar, Gandhinagar, Gondal; Vor Ort; INR 600.000 - 900.000; Vollzeit

Zusammenfassung

HDB Financial Services is seeking an experienced Branch Leader to drive profitability, target attainment, portfolio quality, and cost management at the branch level. The role emphasizes people management, customer experience, and strong underwriting focus to sustain branch performance.

Candidate should have 7-8 years’ experience, with at least 4 years in Retail Assets, and proven ability to lead teams, manage risks, and implement change across branch operations.

Qualifikationen

• 7-8 years of experience with at least 4 years in Retail Assets.
• Ability to plan and execute.
• Strong interpersonal and leadership ability.
• Ability to create a professional work culture that encourages enthusiasm and team spirit.
• Understanding of credit risks and operational risks.
• Ability to manage and implement change by taking complete ownership.

Aufgaben

• Achieve contributed value targets for the branch and sales targets across products, ensuring underwriting diligence and controlled delinquencies.
• Provide superior customer experience.
• Manage turnaround times on credit and processing.
• Minimize pre- and post-disbursal discrepancies and monitor performance.
• Monitor branch performance through key drivers: value, volumes, profitability, expenses, losses.
• Drive branch team to excel and maintain low attrition; retain employees.

Kenntnisse

Retail Assets

Leadership

Credit risk

Plan & execute

Change management

Jobbeschreibung

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 at least 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.