Branch Manager

Excellent communication & negotiation skills. Leadership & team management abilities. Strong sales & business development skills. Skills & Competencies: 5–8 years of experience in retail lending / NBFC / banking, with at least 2 years in a managerial role. Qualifications & Skills Compliance & audit score. Loan disbursement volume & value. 5. Reporting & Analysis 3. Compliance & Risk Management Identify and develop new business opportunities within the branch’s catchment area.

1. Business Development & Sales The Branch Manager will be responsible for overall branch operations, business growth, profitability, customer service, compliance, and team management. The role requires strong leadership, sales orientation, and operational excellence to meet the NBFC’s business objectives. Job Purpose

The Branch Manager will be responsible for overall branch operations, business growth, profitability, customer service, compliance, and team management. The role requires strong leadership, sales orientation, and operational excellence to meet the NBFC's business objectives. Candidate should be from Thrissur, Kerala.

Key Responsibilities

1. Business Development & Sales

• Drive business growth for all products (e.g., gold loans, personal loans, vehicle loans, SME finance, etc.). • Achieve monthly, quarterly, and annual sales targets. • Identify and develop new business opportunities within the branch's catchment area. • Maintain relationships with existing customers to ensure repeat business and referrals. 2. Branch Operations

• Ensure smooth day-to-day functioning of the branch. • Manage cash flow, daily reconciliation, and audit readiness. • Monitor loan processing, documentation, and disbursement. • Oversee customer service to ensure timely resolution of complaints. 3. Compliance & Risk Management

• Ensure adherence to NBFC regulatory guidelines and company policies. • Conduct KYC checks, credit assessments, and risk evaluation before loan approvals. • Maintain audit compliance and address audit observations promptly. • Prevent fraud and ensure security of branch assets. 4. Team Management

• Lead, motivate, and train branch staff to achieve business goals. • Allocate targets, monitor performance, and conduct regular reviews. • Promote a healthy and performance-driven work culture. 5. Reporting & Analysis

• Prepare and submit periodic business and operational reports to management. • Analyze sales performance, market trends, and competitor activities. Key Performance Indicators (KPIs)

• Loan disbursement volume & value. • Portfolio quality (NPA percentage). • Branch profitability. • Customer satisfaction score. • Compliance & audit score. Qualifications & Skills

Education:

• Graduate / Postgraduate in Commerce, Business Administration, Finance, or related field. Experience:

• 5-8 years of experience in retail lending / NBFC / banking, with at least 2 years in a managerial role. Skills & Competencies:

• Strong sales & business development skills. • Knowledge of NBFC products, operations, and compliance norms. • Leadership & team management abilities. • Excellent communication & negotiation skills. • Problem-solving and decision-making skills. Work Conditions

• Full-time, branch-based role. • Requires field visits for business development and customer relationship management.