Branch Business Head

13 hours ago


Chennai, India UNICO HOUSING FINANCE PRIVATE LIMITED Full time

Branch Management & Strategy:- Manage all aspects of the branch including compliance, underwriting, operations, sales, and processing teams.- Plan and execute strategic initiatives to achieve branch targets and overall business objectives.- Expand and retain the customer base for affordable home loans through strong customer and channel partner relationships.- Ensure smooth functioning of the entire lending lifecycle-from inquiry and application to verification, disbursement, collection, and post-sales service.Compliance & Risk Management:- Ensure compliance with Audit/NHB regulations and internal company policies.- Maintain robust checks to ensure high-quality loan portfolios with minimal delinquency.- Monitor and control risk at the branch level through strong governance and adherence to process frameworks.Team Leadership & Development:- Drive sales productivity by effectively managing Sales Managers and cross-functional teams. - Oversee hiring, training, performance management, and reward & recognition programs.- Provide continuous guidance, mentorship, and motivation to enhance team performance.Business Development:- Build and develop a balanced sourcing mix comprising direct and indirect channels.- Strengthen relationships with channel partners, DSAs, connectors, and local influencers.- Manage escalations related to customers and partners, ensuring timely resolution.Market Intelligence:- Stay updated on market trends, competitor activities, and regulatory changes.- Provide actionable insights to senior management to support strategic decision-making. Skills & Competencies:- Strong understanding of affordable housing finance and lending operations.- Proven experience in managing sales, credit, and operations teams.- Excellent communication, negotiation, and customer relationship management skills.- Strong analytical skills with an understanding of risk and policy frameworks.- Ability to drive business growth while maintaining high compliance standards. Qualifications:- Graduate / Postgraduate in Finance, Business Administration, or related fields.- 6-12 years of relevant experience in housing finance/NBFC sector, with at least 2-3 years in a branch leadership role. (ref:iimjobs.com)


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