Branch Manager - Personal Loan(DSA/Connector)

SMFG INDIA CREDIT COMPANY; Vijayapura District; On-site; INR 1,000,000 - 1,400,000; Full time

Job summary

SMFG INDIA CREDIT COMPANY seeks a Business Manager for the Retail unit. The role focuses on ensuring branch profitability, policy adherence, and synergistic operations across the unit.

You will supervise multiple sales channels, drive revenue growth, and maintain credit quality while ensuring compliance with statutory requirements. Extensive travel within the district may be required.

Qualifications

• Graduate with 6–7 years of relevant experience in branch/channel management.
• Strong understanding of retail banking operations, credit policies and customer service.
• Proven ability to drive profitability and manage branch budgets.

Responsibilities

• Identify, develop and supervise sales channels through regular visits.
• Track team performance, provide inputs and close gaps.
• Ensure manning gaps are filled and channel payouts are timely and audited.
• Build relationships with community, trade bodies and channel partners.

Skills

Channel management

Team leadership

Financial acumen

Customer service

Sales & business development

Analytical mindset

Interpersonal skills

Education

Graduate

Tools

MS Excel

Job description

Job Description

Job Title

Business Manager

Function / Department

Retail

Department Head

Retail and Commercial Business Head

Reporting Manager

Cluster Business Manager

Purpose of the Job:

Ensure profitability of the branch, and contribution to the revenue of the state by ensuring all Company policies, practices & guidelines are adhered to as per approved policy. All constituents of the branch functions in a seamless manner & build synergy in overall operations of the Unit.

Describe the KPIs against each perspective

PerspectiveKey Performance Indicators

• Business and Financial Management- Branch Profitability
• Portfolio Management
• Credit Quality demonstrated by non starters, delinquency and New Customer Acquisition
• Growth in volume funding
• 100% LI activation for all months
• Contribution to revenue
• Maintenance of average IRR
• Customer Focus- Retention and Exit of customers
• No.of customers to whom top-ups are given
• People / Team- Attrition in the branch
• No.of employees groomed to the next level
• Process / Quality Improvement- Maintenance of all registers and statutory requirements
• Branch Audit rating
• Branch Administration / Hygiene

SCOPE & DISCRETION (Span of control)

Total no. of employees supervised with details

GradeB1 to B4M1 to M3SM1 to SM3Nos.

From 5 to 10 employees depending on the category of the location.

Sr. No.Direct Reportees

• Sales Managers
• Channel Sales Manager
• Alternate Channel Officers
• Direct Relationship Officers
• Manager / Executive / Officer Existing Borrower
• Branch Collections Incharge

Self deliverables

1. Identification, development and supervision of Channels through regular visits
2. Regularly tracks the team on logins, performance and achievements all the while providing them inputs and keeping them on their toes.
3. Ensures all the manning gaps are filled
4. Provide solutions on issues faced and thoughts which can lead to more business generation
5. Tracks the productivity of channels, DSAs, PDs and canvassers as appropriate.
6. Ensure payouts to channels are on-time and audited
7. Attract channels which do business for other competitors while weeding out unproductive channels
8. Tracks the team to have a pipeline of cases
9. Ensure Login to conversion ratio is maintained at 60%
10. Ensure 100% activation on LI every month
11. Have a concrete understanding of the Salaried and Self Employed policy.
12. Ensure SS percentage is at 13
13. Ensure delinquency is within the norms
14. Has a control on the branch expenses and is within the norms
15. Accountable for the branch infrastructure, administration and upkeep.
16. Ensure delivery is spaced out through the month rather than accumulation towards month end.
17. Builds network within the community, opinion leaders and statutory bodies
18. Takes initiative and co-ordinates with the marketing department in brand building and undertakes direct and indirect marketing activities.
19. As the authorized recipient of any notices, represents the company on cases if required.
20. Runs the business with the branch financials in the background.
21. Presenting cases for rate waivers and following on approvals
22. Ensure rejection percentage is below..
23. In case the branch is doing TW, then tracks PDD
24. Tracks Non starters, Delinquency and NCL
25. Tracks the collection resolutions
26. Has an update on all the Skip and NCL customers.
27. Meets atleast 5 existing customers and visits channels along with the ACO / DRO
28. Ensures the mix of secured vs unsecured is maintained.
29. Attends to Lok Adalat cases as and when required.
30. Ensures underperformers are addressed as per the process.
31. Regularly does a check on the process being adhered so that audit rating are always at A
32. Tracks for all statutory notice renewals.
33. Provides for all the stationary requirement of the branch.
34. Liaise with other functions / departments to ensure all the tasks are completed.
35. Attend to customer queries raised through Namaste and Customer Service Cell
36. Ensure there is no compromise on integrity with COC followed always.
37. Escalate immediately on detection or notice of any fraud.
38. Ensures branch FTR to be always above 95%.
39. Follows to address closure on all exceptions raised.
40. Regularly tracks customers eligible for top-up
41. Ensures efforts are put in to reduce customer attrition, forclosures and run offs.
42. Addresses all employee disciplinary issues as per the COC with necessary escalations whenever.
43. Ensure all the reportees are periodically trained and regular updates provided on product and policy
44. Takes active interest in grooming employees to next level.
45. Take various market references and build touch points for customer reference.
46. Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact
47. Build relationship with trade associations heads, opinion leaders and local associations 48Takes active interest in providing feedback on various products and policies.49Periodically do a trend analysis for early warning indicators on location risks and others with the mitigants used to resolve.50Co-ordinate with FCU for setting up specific triggers.51Ensures all the exceptions raised are cleared.52Represents cases for relook basis merit.53Provides updates as and when required.54Plans with team and provides daily commitment and correspondingly updates with EOD achievement.55Ensures all the statutory requirements are adhered to, with all the renewals in place.56Facilitates for upkeep of branch infrastructure

Degree Influenced

Geography : Entire city

Departments:

Peer

Sr.NoPeer

Location Manager

Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills)

• Achievement Orientation
• Commitment
• Conscientiousness
• Team Management
• Flair for numbers with an ability to understand process, read balance sheet and understands customers business requirements.
• Customer Service
• Collection Understanding
• Interpersonal skills
• Resilience, energy and initiative
• Well networked with respect to customers and financiers
• Demonstrates core company values including integrity and ethics
• Product understanding
• Ability to present a case basis the policy
• Dealership Management

Expertise required/ Domain Knowledge:

• a) Having handled channels before
• b) Understanding of PL business
• c) Knowledge of local market conditions
• d) Competitor knowledge
• e) Knowledge of no. of channels servicing the different financial institutions
• f) Ability to differentiate between PD / DSA / DST / PPC

No. of years of relevant experience:

6yrs to 7yrs

Any specific specialization/education: Graduate/education: