Branch Manager - HL and LAP

Equitas Small Finance Bank Ltd.; Madurai District; In loco; INR 700.000 - 1.200.000; Tempo pieno

Descrizione del lavoro

Equitas Small Finance Bank Ltd. in Tamil Nadu invites an experienced Branch Manager to lead business development, sales, and branch operations across LAP, Micro-LAP and Affordable Home Loans.

You will drive disbursal targets, expand distribution through DSAs and referral partners, and improve lead-to-disbursal conversion while tracking market trends. You will oversee credit quality, coordinate with Credit, Legal, Technical and Risk Control Units to speed underwriting, ensure regulatory

Competenze

• Drive disbursal targets and business volume for LAP, Micro-LAP, and Affordable Home Loan products.
• Expand distribution networks by sourcing, empaneling, and managing DSAs, connectors, and referral partners.
• Maximize lead-to-disbursal conversions by proactive monitoring of the sales pipeline.
• Analyze market trends and competitor strategies to identify local growth opportunities.
• Maintain accountability for the branch's portfolio quality (asset quality) and manage NPAs.
• Coordinate with Credit, Legal, Technical, and Risk Control Units to ensure fast underwriting decisions.
• Oversee day-to-day branch operations, cash management, and compliance with policies and audits.
• Hire, groom, and retain a high-performing team of Sales Executives and Operations staff; conduct reviews.

Mansioni

• Drive disbursal targets and business volume for LAP, Micro-LAP, and Affordable Home Loan products.
• Expand distribution networks by sourcing, empaneling, and managing DSAs, Connectors, and Referral Partners.
• Maximize lead-to-disbursal conversion rates through proactive monitoring of the sales pipeline.
• Analyze market trends and competitor strategies to identify local growth opportunities.
• Maintain strict accountability for portfolio quality (asset quality) of the branch location.
• Coordinate closely with Credit, Legal, Technical, and Risk Control Units to ensure seamless underwriting.
• Oversee day-to-day branch administrative operations, cash management, and controls.
• Hire, groom, and retain a high-performing team of Sales Executives, Relationship Managers, and Operations staff.

Descrizione del lavoro

Role & responsibilities

Key Responsibilities1. Business Development & Sales Management

• Drive disbursal targets and business volume for Loan Against Property (LAP), Micro-LAP, and Affordable Home Loan products.
• Expand distribution networks by sourcing, empaneling, and managing relationships with DSAs, Connectors, and Referral Partners.
• Maximize lead-to-disbursal conversion rates through proactive monitoring of the sales pipeline.
• Analyze market trends and competitor strategies to identify local growth opportunities. [1, 2, 3, 4]

2. Portfolio & Credit Quality Management

• Maintain strict accountability for the Portfolio Quality (Asset Quality) of the branch location.
• Manage and minimize early mortality, delinquencies, and Non-Performing Assets (NPAs).
• Coordinate closely with Credit, Legal, Technical, and Risk Control Units (RCU) to ensure seamless underwriting and fast credit decisioning. [1, 2, 3]

3. Branch Operations & Compliance

• Oversee day-to-day branch administrative operations, cash management, and operational controls.
• Ensure absolute adherence to institutional policies, regulatory guidelines, compliance frameworks, and internal audit requirements.
• Monitor branch expenses to ensure optimum resource utilization and profitability. [1, 2]

4. Team Leadership & People Management

• Hire, groom, and retain a high-performing team of Sales Executives, Relationship Managers, and Operations staff.
• Mentor the team to perform efficiently under high-pressure, target-driven environments.
• Conduct regular performance reviews and address training needs across departments. [1, 2]