Job Description

1. JOB DETAILSPosition title:Branch Head Department:OperationsReports to:Area ManagerLocation:Zone 7Grade:Senior Executive

2. REPORTING DIMENSIONSSupervisorsReports directly to:Area ManagerReports indirectly to:Regional HeadNumber of Staff Supervised:Direct Reportee:6Indirect Reportee:0Total:6

3. JOB SUMMARY Branch Head is responsible for performance and administration of assigned branch, provisioning of financial services, customer service and performance of Customer Services Representative (CSR), concentrating on the below performing CSR, providing them guidance and assistance.

Other key responsibilities include overdue management, branch expense requisition and settlement, daily branch related bank transaction, inputs data in FIS , liaisoning with local administrative authorities for legal matter related to branch operation, preparing and sending different reports as per requirement of reporting officer and Head Office.

While performing the above responsibilities, the Branch Head must ensure that he/she and team members follow Arohans core values, code of conduct and other institutional policies.

4. KEY RESPONSIBILITES ParticularsTime Allocation (%)Business development20%Monitoring20%Workforce management20%Administration 5%MIS and reporting 10%Portfolio and risk management20%Public relations5%
5. Job Profile5.1 Technical Competency DescriptionBusiness development

1. Conducts area survey and gathers data required for sourcing current customer
2. Assists Area Manager for setting up of new branch
3. Allotment of working area to CSR
4. Guides CSR in developing business

Loan assessment and [11]approval

1. Do assessment for loan eligibility as per policy and take decision for approval or rejection of the loan.

Loan disbursement

1. Ensures that loan applications are processed within defined turnaround time (TAT) as per the operational policy

Monitoring

1. Ensures core values, code of ethics and operational policies of the company are adhered to strictly in pursuit of business growth
2. Maintains, updates and records data accurately on a regular basis
3. Plans and monitors daily activity of CSR
4. Visits field regularly to observe pre-meet, verification along with HHI assessment, CGT, repayment and overdue management processes to ensure these processes are followed in compliance of the operational policy and procedure
5. Checks and ensures MIS entries made by CSR are correct and complete
6. Fills My-Tool and Branch Activity Register
7. Ensures proper and timely actions taken against IA findings
8. Maintains records & registers to ensure proper reporting

Workforce management

1. Provides guidance and training to CSR
2. Provides feedback to CSR to improve performance
3.



Resolves internal conflicts at branch
4. Assists HR in recruitment and training of new employees
5. Provides feedback for confirmation and promotions of CSR to HR department

Administration

1. Locates office premises for new branch
2. Purchase fixed asset items
3. Coordinates with HR and Admin department for compliance of legal matters related to branch opening (rental agreement, trade license, commercial electric meter, registration under Shops & Establishments Act)
4. Prepares branch expenses requisition and submits to accounts and settles the same

MIS and reporting

1. Shares information required by HO timely

Portfolio and risk management

1. Maintains high quality portfolio by taking preventive and curative measures
2. Ensures low customer drop-out, high Center attendance & quick loan processing
3. Helps CSR in tackling overdues

Public relations

1. Builds rapport with community leaders, landlord and neighbours
2. Meets local councilors and panchayat samity members to educate them about Arohan
3. Develops rapport with other MFIs of the area
4. Assists Area Manger in conducting customer meets and interviews to gather data required to determine need of customers.

5.2 Organizational CompetencyDescriptionPlanning

1. Monitors work against objectives and set targets
2. Prepares work plan and sets targets for oneself
3. Measures progress against targets and revises work plan accordingly
4. Provides timely performance feedback to supervisor
5. Balances quality of work with meeting deadlines and budget constraints
6. Coordinates work plans with others to accomplish common objectives
7. Anticipates problems and issues, and responds to them accordingly

Organizational perspective

1. Connects work to the overall mission of the organization
2. Understands related functions of department, along with its plan and anticipates possible implications of own work

Managing relationship

1. Works effectively as a member of a team
2. Builds credibility and trust with colleagues and superiors, particularly with branch staff
3. Listens to employees and provides solution and advice

Decision making and problem solving

1. Anticipates problems and issues, and responds to them accordingly
2. Gathers information to identify issues and possible solutions for problems that affect the team/department performance
3.



Demonstrates capacity for problem solving on key issues, using past experience and technical knowledge in identifying appropriate solutions
4. Makes decisions in a timely manner and assumes joint responsibility for end-results
5. Implements solutions within the proper scope of authority
6. Ensures that all parties involved in and affected by decisions made are properly informed

Knowledge of relevant technology

1. Uses relevant technologies to enhance own learning and improve productivity and quality of service
2. Mentors branch staff to use tools and technology

5.3 Personal CompetencyDescriptionAccountability and responsibility

1. Provides support to others in accomplishing their work
2. Takes responsibility of own work

Teamwork

1. Works in a team
2. Maintains good relationships with colleagues
3. Considers others views with respect and dignity is willing to adjust and is flexible about ones own views in order to reach consensus and agreement within the team

Hard work and commitment

1. Pursues all efforts to accomplish tasks and objectives according to agreed timetables and specifications
2. Translates commitment into action

Transparency and integrity

1. Shares accurate and on-time information with supervisors
2. Follows Arohans core values and adheres to code of ethics policy
3. Practices transparency and openness to ones ideas and feelings
4. Maintains trust among team; shows consistency in thought and action
5. Honors confidentiality of sensitive information with regard to clients, documents and other confidential matters

Note: In addition to the above, under special circumstances, you may be given additional responsibilities as per business requirement after full communication and discussion with you.

1. PERFORMANCE INDICATORS:

- Business performance (business target vs. achievement, portfolio quality)
- Compliance score as given by Internal Audit to the branch
- Human resources management
- Feedback from colleagues and other department
- Feedback from branch staff

7. QUALIFICATION, EXPERIENCE, SKILLS: Minimum Qualifications: Graduation, MBA will be given preference
Minimum Experience: 1-2 year (sales and team management)
Desired Skill: Good communication, analytical and interpersonal skills and basic computer knowledge

8. Approvals:Line Manager or Head of Department: Signature DateHead of Department: Signature DateHead HR or MD: Signature Date

Note: Arohan strives to have a workforce which reflects diversity and gender balance, and applies an equal opportunities approach. All selection is on merit.
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[11]Conduct loan eligibility assesment as per policy and take decision for approval or rejection of the loan

📌 Branch Head (Assam)
🏢 Arohan
📍 Assam