Sr. No Task performed 1 • Creating a high quality portfolio: UM is responsible for both creating and maintaining a high quality portfolio. He/she will thus have a strong voice in customer selection, by attending CPVs and by conducting GRTs. For the first three months, the UM is responsible for attending 100% of CPVs conducted. • Sanctioning loans: Once all credit checks are complete, the UM is responsible for sanctioning the loan on the system. • Monitoring cash management: UM is responsible for conducting cash reconciliation at the end of every day. • Ensuring on-time collections: UM is to attend 3 center meetings a day, to ensure on-time collections. In case there is a lapse in payment, UM is jointly responsible for following up with default customers (along with the GCO). 2 • Managing and monitoring branch: UM will lead a branch huddle every evening, to understand daily operations and troubleshoot problems. UM will also attend to branch administrative issues as and when they arise. • Maintaining productivity/profitability: UM will monitor profitability and performance of the branch using various productivity, efficiency and financial parameters. • Leading and training GCOs: UM will support individual GCOs through their career development. If required, he/she will also lead training programs. • Ensuring low risk: Identify and analyze risks (economic, social, political, etc)



related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area • Ensuring customer satisfaction: Ensure high level of customer satisfaction through high service quality. Coach Relationship and Branch Managers in analyzing reasons behind high drop-out rates and identifying techniques to reduce drop-out problems 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. No Other relevant factors (Required Skills) • Ability to effectively communicate with the public • Good analytic skills, judgment and ability to make independent decisions informed by both quantitative and qualitative data (including informal feedback from stakeholders and non-business context: socio-political-religious environmental factors) • Ability to work with minimal direction. Self-starter • Valuable interpersonal, relationship management, customer service, and rapport building skills. • Good leadership and people management skills, with ability to manage people both directly and indirectly at multiple levels and remotely • Ability to prioritize, multi-task, delegate, and proactively resolve problems • Demonstrated potential to take initiative in building a growing customer base and team

📌 Branch Manager (Salem)
🏢 SMFG INDIA CREDIT
📍 Salem