Branch Head

Job Description – Branch Manager (BM)

Job Title: Branch Manager (BM)
Department: Branch Function

Location: Branch Office
Reporting To: Regional Manager / Zonal Manager

Job Summary

The Branch Manager is responsible for the overall management of branch operations, business development, profitability, customer service, collections, team leadership, and regulatory compliance. The Branch Manager is accountable for achieving branch business targets while ensuring efficient operations, portfolio quality, and adherence to company policies.

Key Responsibilities

Business Development

• Achieve monthly and annual business targets for Gold Loans, Deposits, and other financial products.
• Develop and implement branch business strategies to increase revenue and profitability.
• Identify new business opportunities through field visits, customer referrals, and marketing activities.
• Build and maintain strong relationships with customers, local businesses, and community stakeholders.
• Drive cross-selling of company products and services.

Branch Operations

• Manage the overall day-to-day operations of the branch.
• Ensure smooth processing, appraisal, sanction, disbursement, renewal, and closure of loan accounts.
• Monitor branch productivity and operational efficiency.
• Ensure proper maintenance of customer records, registers, and branch documentation.
• Oversee cash management and asset security in accordance with company procedures.

Credit & Portfolio Management

• Ensure quality loan appraisal and compliance with lending policies.
• Monitor branch portfolio health and minimize overdue accounts.
• Review delinquent accounts and implement effective recovery strategies.
• Ensure timely collections and maintain portfolio quality.

Team Leadership

• Lead, supervise, and motivate branch staff to achieve business objectives.
• Conduct daily business review meetings and monitor employee performance.
• Coach and mentor team members to enhance productivity and customer service.
• Identify training needs and support employee development.

Customer Service

• Ensure high standards of customer service and customer satisfaction.
• Resolve customer complaints and escalations efficiently.
• Strengthen long-term customer relationships and improve customer retention.

Compliance & Risk Management

• Ensure compliance with RBI guidelines, KYC regulations, audit requirements, and company policies.
• Ensure adherence to internal controls and operational risk management practices.
• Coordinate with internal auditors and ensure timely closure of audit observations.
• Safeguard company assets and maintain confidentiality of customer information.

Administration

• Manage branch infrastructure, statutory records, and administrative functions.
• Submit daily, weekly, and monthly MIS reports to the Regional Office.
• Coordinate with Head Office departments for operational support.

Qualifications

• Bachelor's Degree in any discipline.
• Graduation in Commerce, Finance, or Business Administration is preferred.

Experience

• Minimum 3–5 years of experience in NBFC, Banking, Gold Loan, or Financial Services.
• Prior experience in branch management and team handling is preferred.

Skills Required

• Strong leadership and people management skills.
• Business development and sales management.
• Knowledge of Gold Loan operations and financial products.
• Portfolio and collection management.
• Customer relationship management.
• Decision-making and problem-solving skills.
• Good communication and negotiation skills.
• Computer proficiency (MS Office and branch software).

Key Performance Indicators (KPIs)

• Achievement of branch business targets.
• Branch profitability and portfolio growth.
• Collection efficiency and asset quality.
• Customer satisfaction and retention.
• Audit compliance and operational accuracy.
• Team productivity and employee development.

Working Conditions

• Six-day working week.
• Willingness to travel locally for business development, customer meetings, and collections.
• Posting at any branch of Maxvalue Credits and Investments Ltd. based on business requirements.

Maxvalue Credits and Investments Ltd. is an equal opportunity employer committed to operational excellence, customer satisfaction, ethical business practices, and sustainable growth.

Pay: ₹30,000.00 - ₹35,000.00 per month

Benefits:

• Flexible schedule

Experience:

• NBFC: 5 years (Required)

Work Location: In person