Branch Incharge

Job Description
JOB ROLE:
Profitability Management - Maintaining & optimizing profitability for the branch
Target setting & management – Monitoring branch targets in numbers & volumes
Portfolio quality management - through superior underwriting, working closely with collections
Cost management – managing all branch operating costs including cost of acquisition, operations etc.
People management – Motivating team, handling HR & administration function of the branch
Customer experience management - Ensuring superior customer experience and handling customer
service in terms of collections, pre closures & service issues
KEY RESPONSIBILITIES:
Business
Achieve contributed value targets set for the branch
Ensure sales volumes for multiple products, sourcing quality & underwriting diligence to meet sales
targets while controlling delinquencies and frauds
Provide superior customer experience
Manage TAT’s on credit & processing
Minimize pre & post disbursal discrepancies
Monitoring Performance
Monitoring Branch performance in terms of key drivers i.e.
Contributed Value….Volumes / Profitability / Expenses / Losses
Employee Retention
Employee Productivity
Customer experience
Monitor individual performance of each employee, continuously work to maximize productivity
People Management
Motivate and develop branch team
Drive branch team to excel.
Manage and mentor the team and keep attrition of branch staff low
Conduct regular meeting with branch staff
Provide open and honest feedback and ask for feedback.
Requirements SKILLS / COMPETENCIES REQUIRED:
7-8 Years experience, with atleast 4 years in Retail Assets
Ability to plan & execute
Strong inter-personal skills and leadership ability,
Ability to create professional work culture that encourages enthusiasm and team spirit
Understanding of credit risks & operational risks.
Ability to manage and implement change by taking complete ownership
Requirements
SKILLS / COMPETENCIES REQUIRED: 7-8 Years experience, with atleast 4 years in Retail Assets Ability to plan & execute Strong inter-personal skills and leadership ability, Ability to create professional work culture that encourages enthusiasm and team spirit Understanding of credit risks & operational risks. Ability to manage and implement change by taking complete ownership

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