Branch Manager - Personal Loan(DSA/Connector)

Job Description

Job TitleBusiness ManagerFunction / DepartmentRetailDepartment HeadRetail and Commercial Business HeadReporting ManagerCluster Business Manager
Purpose of the Job:

Ensure profitability of the branch, and contribution to the revenue of the state by ensuring all Company policies, practices & guidelines are adhered to as per approved policy. All constituents of the branch functions in a seamless manner & build synergy in overall operations of the Unit.
Describe the KPIs against each perspective

PerspectiveKey Performance IndicatorsBusiness and Financial Management- Branch Profitability
- Portfolio Management
- Credit Quality demonstrated by non starters, delinquency and New Customer Acquisition
- Growth in volume funding
- 100% LI activation for all months
- Contribution to revenue
- Maintenance of average IRR
- Customer Focus- Retention and Exit of customers
- No.of customers to whom top-ups are given
- People / Team- Attrition in the branch
- No.of employees groomed to the next levelProcess / Quality Improvement- Maintenance of all registers and statutory requirements
- Branch Audit rating
- Branch Administration / Hygiene







SCOPE & DISCRETION (Span of control)

Total no. of employees supervised with details

GradeB1 to B4M1 to M3SM1 to SM3Nos.From 5 to 10 employees depending on the category of the location.
Total :

Sr. No.Direct Reportees
(functional title/role title)Indicate brief job purpose1Sales Managers 2Channel Sales Manager 3Alternate Channel Officers 4Direct Relationship Officers 5Manager / Executive / Officer Existing Borrower 6Branch Collections Incharge
Self deliverables

The most important tasks performed on an individual basis without involving subordinates are

Sr. NoTask performed1Identification, development and supervision of Channels through regular visits2Regularly tracks the team on logins, performance and achievements all the while providing them inputs and keeping them on their toes.3Ensures all the manning gaps are filled4Provide solutions on issues faced and thoughts which can lead to more business generation5Tracks the productivity of channels, DSAs, PDs and canvassers as appropriate.6Ensure payouts to channels are on-time and audited7Attract channels which do business for other competitors while weeding out unproductive channels8Tracks the team to have a pipeline of cases 9Ensure Login to conversion ratio is maintained at 60%10Ensure 100% activation on LI every month11Have a concrete understanding of the Salaried and Self Employed policy.12Ensure SS percentage is at 13Ensure delinquency is within the norms14Has a control on the branch expenses and is within the norms15Accountable for the branch infrastructure, administration and upkeep.16Ensure delivery is spaced out through the month rather than accumulation towards month end.17Builds network within the community, opinion leaders and statutory bodies18Takes initiative and co-ordinates with the marketing department in brand building and undertakes direct and indirect marketing activities.19As the authorized recipient of any notices, represents the company on cases if required.20Runs the business with the branch financials in the background.21Presenting cases for rate waivers and following on approvals22Ensure rejection percentage is below..23In case the branch is doing TW, then tracks PDD24Tracks Non starters, Delinquency and NCL25Tracks the collection resolutions26Has an update on all the Skip and NCL customers.27Meets atleast 5 existing customers and visits channels along with the ACO / DRO28Ensures the mix of secured vs unsecured is maintained.29Attends to Lok Adalat cases as and when required.30Ensures underperformers are addressed as per the process.31Regularly does a check on the process being adhered so that audit rating are always at A32Tracks for all statutory notice renewals.33Provides for all the stationary requirement of the branch.34Liaise with other functions / departments to ensure all the tasks are completed.35Attend to customer queries raised through Namaste and Customer Service Cell36Ensure there is no compromise on integrity with COC followed always.37Escalate immediately on detection or notice of any fraud.38Ensures branch FTR to be always above 95%.39Follows to address closure on all exceptions raised.40Regularly tracks customers eligible for top-up41Ensures efforts are put in to reduce customer attrition, forclosures and run offs.42Addresses all employee disciplinary issues as per the COC with necessary escalations whenever.43Ensure all the reportees are periodically trained and regular updates provided on product and policy44Takes active interest in grooming employees to next level.45Take various market references and build touch points for customer reference.46Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact47Build relationship with trade associations heads, opinion leaders and local associations 48Takes active interest in providing feedback on various products and policies.49Periodically do a trend analysis for early warning indicators on location risks and others with the mitigants used to resolve.50Co-ordinate with FCU for setting up specific triggers.51Ensures all the exceptions raised are cleared.52Represents cases for relook basis merit.53Provides updates as and when required.54Plans with team and provides daily commitment and correspondingly updates with EOD achievement.55Ensures all the statutory requirements are adhered to, with all the renewals in place.56Facilitates for upkeep of branch infrastructure57Builds relationship with statutory bodies so as to be invoked as and when required.58Builds relationship with dealers of products FICCL is associated with.59Following up to ensure disbursals of all the cases and bookings take place with no spill over.




Degree Influenced

Geography : Entire city

Departments:

Peer
Sr.NoPeer
(functional title/role title)Indicate brief job purpose1Location Manager
Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills)1Achievement Orientation2Commitment3Conscientiousness4Team Management 5Flair for numbers with an ability to understand process, read balance sheet and understands customers business requirements.6Customer Service7Collection Understanding8Interpersonal skills9Resilience, energy and initiative10Well networked with respect to customers and financiers11Demonstrates core company values including integrity and ethics12Product understanding13Ability to present a case basis the policy14Dealership Management
Expertise required/ Domain Knowledge:

a) Having handled channels before
b) Understanding of PL business
c) Knowledge of local market conditions
d) Competitor knowledge
e) Knowledge of no. of channels servicing the different financial institutions
f) Ability to differentiate between PD / DSA / DST / PPC


No. of years of relevant experience: 6yrs to 7yrs


Any specific specialization/education: Graduate/education: