Spoke / Branch Head

Role & responsibilities

Business Growth & Revenue Management

• Drive branch business targets.
• Develop and execute local market penetration strategies.
• Ensure achievement of monthly, quarterly, and annual sales targets.
• Maximize branch profitability through balanced growth of asset, liability, and fee-based businesses.
• Monitor branch productivity and take corrective actions to improve performance.

Customer Acquisition & Relationship Management

• Acquire new customers through direct sourcing, field activities, referrals, and channel partners.
• Build strong relationships with key customers, local business communities, and influencers.
• Ensure high customer retention and repeat business.
• Enhance customer engagement through cross-selling and upselling opportunities.

Team Leadership & People Management

• Lead, mentor, and motivate branch employees across all product verticals.
• Set performance goals and conduct regular performance reviews.
• Ensure manpower productivity and capability building through continuous coaching and training.
• Foster a high-performance and customer-centric culture within the branch.

Sales & Cross-Sell Management

• Drive cross-selling of insurance, mutual funds, liabilities, and lending products.
• Improve product penetration among existing and new customers.
• Track funnel conversion, lead management, and sales productivity metrics.

Portfolio Quality & Risk Management

• Ensure quality sourcing and portfolio health across lending products.
• Maintain delinquency and NPA levels within defined organizational thresholds.
• Monitor credit, operational, and compliance risks.
• Ensure adherence to KYC, AML, audit, and regulatory guidelines.

Operational Excellence

• Oversee daily branch operations and service delivery standards.
• Ensure timely resolution of customer concerns and escalations.
• Maintain branch documentation and process compliance.
• Coordinate with support functions for smooth business operations.

Market Intelligence

• Track market trends, competitor activities, and customer requirements.
• Identify new business opportunities and partnerships within the branch catchment area.
• Provide market feedback to management for product and process improvement.

Preferred candidate profile

• Immediate Joiners Preferred
• Proven experience in managing Asset, Liability, Insurance, and Investment products.
• Sales management and business development practices.
• Portfolio quality and collections management.
• Regulatory guidelines, KYC/AML norms, and compliance requirements.
• Branch operations and customer service management.
• Local market dynamics and competitor landscape.

Location:

Pune: Wagholi / Undri / Bhosari / Pimpri / Pimple Saudagar / Chakan Talegaon Dabhade / Shirur

Nagpur: Wardha Road / Hingna / Kamptee / Butibori / Kalmeshwar

Punjab: Zirakpur