Branch Head

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. - 710 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