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Branch Head

Branch Head

ConfidentialThiruvallur, Salem
5 days ago
Job description

Purpose of the Role :

This high-impact leadership role is designed for a dynamic business leader to drive profitable growth for a branch in India's emerging markets. The Branch Head will build, scale, and lead a high-performing branch and team within a defined state. The role focuses on customer centricity, operational excellence, regulatory compliance, and expanding reach in non-metro cities and economic hubs.

Key Responsibilities :

Business Growth & P&L Ownership

  • Own the Branch P&L through Annual Operating Plan (AOP) delivery, business volumes, collection efficiency, and expense control.
  • Lead a team of Customer Account Managers (CAMs) to achieve sales and collections targets.
  • Drive sustainable growth across MSME lending products like Loan Against Property (LAP) and Business Loans via the neighborhood lending model.
  • Deliver on the annual Branch Scorecard, exceeding benchmarks in pricing, processing fees, CAC, insurance cross-sell, early bucket delinquency management, portfolio performance, renewals, top-ups, balance transfers, audits, customer servicing, and branch administration.
  • Use competitive intelligence and local market insights to execute business strategy with speed and precision.

Distribution & Network Expansion

  • Scale a full-service branch in the assigned region with budgets, analytics, marketing, HR, and credit support.
  • Support central leadership in identifying branch premises and administrative requirements for quick ramp-up.
  • Drive direct sourcing through customer events, exhibitions, loan melas, MSME conclaves, database acquisition, tele calling, beat plans, cluster roadshows, and local merchant connections.

    • Team Leadership & Capability Building

  • Lead a team of CAMs responsible for sales and collections.
  • Recruit, coach, and develop a high-performance team capable of assuming Branch Head roles in the future.
  • Foster a culture of ownership, collaboration, proactiveness, compliance, and customer-first execution.

    • Risk, Compliance & Operational Excellence

  • Ensure regulatory adherence, internal audit readiness, and governance excellence.
  • Maintain cost control, sourcing quality, recoveries, TATs, and underwriting standards.
  • Ensure compliance with municipal laws, property regulations, collateral management, litigation, and repossession protocols.

    • Market Intelligence & Strategic Partnerships

  • Build strong networks with local bodies, legal institutions, and fraud prevention agencies.
  • Leverage market intelligence to identify new business opportunities and mitigate risks.
  • Stay ahead of trends in industries, customer behaviors, and competitor activities.

    • Qualification & Experience :

  • Postgraduate degree (MBA or equivalent) from a reputed institution.
  • Graduation and schooling from recognized institutions.
  • 7–10 years of team-handling and branch experience in Banks, NBFCs, HFCs, SFBs, or Fintechs.
  • Proven ability to balance sales and collections for consistent branch scale-up and profitability.

    • Strong knowledge of secured lending products : LAP, Home Loans, Business Loans, Working Capital Finance.

  • Kalburagi ,  Salem ,  Thiruvallur

    • Skills Required

    Branch Management, Business Development, Customer Relationship Management

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    Branch Head • Thiruvallur, Salem