Branch Manager - PL

SMFG INDIA CREDIT COMPANY; Mangaluru, Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

SMFG INDIA CREDIT COMPANY seeks an experienced Branch Manager to drive profitability, manage portfolios, and ensure policy adherence. The role emphasizes customer retention, new customer acquisition, and maintaining regulatory compliance across the branch.

The candidate should have 8–10 years of relevant experience, strong knowledge of local market conditions, and the ability to differentiate between PD/DSA/DST/PPC. Graduate degree required; channels experience is preferred.

Qualifications

• Graduate with 8–10 years of relevant experience in PL/branch finance and channel management.
• Strong grasp of local market conditions and competitor landscape.
• Ability to map channels servicing different financial institutions.

Responsibilities

• Ensure branch profitability and adherence to all company policies and guidelines.
• Oversee portfolio management and customer acquisition.
• Maintain branch operations, registers, and statutory requirements.
• Monitor branch audit ratings and hygiene of administration.
• Mentor and groom staff to the next level.

Skills

Channel management

PL business understanding

Local market knowledge

Competitor knowledge

Multi-channel servicing

PD / DSA / DST / PPC differentiation

Education

Graduate

Job description

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.

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

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: 8yrs to 10 yrs

Any specific specialization/education: Graduate/education: Role & responsibilities