Branch Operations Manager

Aditya Birla Group; Maharashtra; On-site; INR 600,000 - 900,000; Full time

Job summary

AB Housing Finance Limited in India seeks a Branch Operations professional to oversee and drive branch operations. The role focuses on processing and disbursing loans within defined timelines, coordinating with the Credit team, and ensuring complete files with collateral are in place.

You will optimize resources, monitor end-to-end queues, manage audits, and drive MIS reporting while guiding the team to adopt best practices across branches.

Qualifications

• Branch operations experience is required.
• Graduate degree or equivalent is preferred.

Responsibilities

• Oversee & drive branch operations.
• Drive process efficiency and meet SLAs during transactions.
• Ensure that loans are processed and disbursed within defined TAT.
• Ensure branches receive complete files with collateral within defined SLAs.
• Scrutinise files for discrepancies and take corrective actions.
• Optimize resources and monitor end-to-end transaction queues.
• Manage fund management and post-closure documentation for NOC processing.
• Monitor timely dispatch of loan disbursement kits.
• Manage internal & external audits and act on findings.
• Review processes to mitigate risks and share best practices across branches.
• Lead post-disbursement documentation follow-ups and system updates.

Skills

Branch operations

Graduate

Job description

BUSINESS_UNIT-1 AB Housing Finance Limited

BUSINESS_UNIT-2 AB Housing Finance Limited

BUSINESS_UNIT-3 AB Housing Finance Limited

DEPARTMENT-1 Ops & Process Excellence

Country India

State Maharashtra

Function Services Operations

Skills

Skill

Branch operations

Graduate

CERTIFICATION

Job Description

Oversee & Drive Branch Operations

• Drive branch operations in a manner that all the loans are processed and disbursed to customers within the stipulated TAT
• Ensure that all the branches receive completed files from the Credit team with customer collaterals (loan documents, agreements, KYC, credit verification, etc) within defined SLAs
• Ensure that the team has scrutinised all files for discrepancies and the necessary action is taken to complete the files
• Ensure optimization of resources and monitor over all end – to – end transaction queues
• Responsible for fund management and closure – post closure documentation for NOC processing
• Monitor timely dispatch of loan disbursal kits
• Manage both - internal & external audit of the branch, and take action on the finding and recommendations suggested
• Ensure regular review of processes is undertaken and potential risks are mitigated from time to time
• Liaise with other branches to learn their best practices and adopt them
• Recommend process level changes based on feedback received from the team, other supporting departments, external market trends
• Manage post disbursement documentation by conducting follow ups with stakeholders, reporting discrepancies to the Management and updating the system on a periodic basis

Performance Parameters

• Drive process efficiency by meeting SLAs during transactions
• Ensure reduction in errors and minimum critical escalations
• Keep FTR% and Performance% in check
• Maintain the process quality and resolve errors in minimum TAT
• Keep a check on regulatory norms and ensure data is easily and accurately available to respond to audit queries
• Ensure Follow through on post disbursement processes within agreed TATs
• Review processes and user guidelines on a periodical basis and make/ recommend the necessary changes

Customer Management

• Engage with customers depending on the value or complexity of the case.
• Guide & support the collections team in case of any delinquencies in late payment
• Seek out and implement ways to increase client satisfaction through efficient client management

MIS and Reporting

• Monitor performance parameters on a regular basis and take remedial measures
• Oversee the creation of periodic MIS and provide the same to the Zonal Head, together with specific insights to enable them to take critical management decisions
• Review process adherence, drive audit compliance and take remedial measures to reduce audit queries.

Team Management

• Align the team with the overall branch objectives by creating awareness about the performance parameters
• Build capability in the team by reviewing performance on a continuous basis and provide training opportunities on desired aspects
• Encourage the team to develop innovative solutions to existing problems in transactions and support in their implementation.
• Handling branch walkin for all the service requests