Branch Head

Department: Sales - Secured Laons

Purpose of the Role

This is a high-impact leadership role for a dynamic business leader to drive profitable growth for his/her branch within India's top emerging markets. The Branch Head will be responsible for building, scaling, and leading a high-performing branch & team within a defined state. With a sharp focus on customer centricity, operational excellence, and regulatory compliance, this role is central to expanding our reach in non-metro cities and economic hubs.

Role and Responsibilities:

Business Growth & P&L Ownership

• Own the Branch P&L through AOP delivery, business volumes, collection efficiency levers and strong expense control.

• Lead a team of CAM ( Customer Account Managers) and drive them for sales and collections targets and productivity benchmarks.

• Drive rapid and sustainable growth across MSMEs lending products - Loan Against

Property and Business Loans through the neighbourhood lending model.

• Deliver on annual "Branch Scorecard" by exceeding the expectations on benchmark

Pricing, Processing Fees, Cost of Acquisition (CAC), Insurance Cross Sell, Early Bucket Delinquency Management, 30+ and 90+ DPD portfolio performance, renewals, top-ups, balance transfers, internal audits, customer servicing and overall branch administration.

• Use competitive intelligence and local market insights to execute business strategy with speed and purpose.

Distribution & Network Expansion

• Scale a full-service branch in the assigned region with complete empowerment, budgets and analytics / marketing / HR & credit support.

• Help the central leadership team to identify branch premises and requisite administrative insights for quick ramp up

• Drive "direct sourcing" via customer events, exhibitions, loan melas, MSME conclaves, data base acquisition, tele calling efforts, beat plan adherence, cluster roadshows, and local merchant connects.

Team Leadership & Capability Building

• Lead a span of CAM's responsible for sales and collections.

• Recruit, coach, and build a high-performance team and groom them to assume

Branch Heads roles in 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 Sharp focus on cost control, TATs, sourcing quality, recoveries, 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 local intelligence to identify new business triggers and mitigate risks

Stay ahead of trends in industries, customer behaviours, and competitor movements

Qualification & Experience:

Educational Background

• Post Graduate Degree - MBA or equivalent

• Graduation and Schooling from reputed institutions of the country

Experience Requirements

• 7 to 10 years of team handling and branch experience in Banks/NBCs/HFCs/SFBs/Fintechs.

• Ability and Maturity to balance sales and collection verticals for consistent branch scale up and profitability

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

Key Skills & Competencies:

Leadership Attributes

* Demonstrated success in building large-scale DIRECT distribution networks in emerging markets

• Experience in hiring. developing, and managing young and dynamic colleagues

Entrepreneurial mindset with a hands-on approach to problem-solving and execution

Personal Attributes & Mobility

• Extremely High on integrity, result orientation, and strong business acumen

Good communication and relationship-building skills

* Willingness and passion to lead the branch team in the marketplace / field for sales and collection activities.