Branch Head

Job Profile

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 Indias 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 CAMs 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

Branch Head

Job Profile

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/NBFCs/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.

Asset

Asset

;