Branch Manager – Microfinance

Company: Rapid Loans

Location: Thallada, Telangana

Department: Branch Operations

Position: Branch Manager

Employment Type: Full-time

Job Summary

Rapid Loans is looking for a Branch Manager to manage the overall business and operations of the microfinance branch at Thallada, Telangana. The Branch Manager will be responsible for business growth, customer acquisition, loan disbursements, portfolio quality, collections, staff management, and ensuring compliance with company policies and applicable microfinance regulations.

The ideal candidate should have strong experience in microfinance branch operations, group/JLG lending, field collections, customer handling, and team management.

Key ResponsibilitiesBranch Business & Sales

- Achieve monthly and annual branch business and disbursement targets.
- Develop new customer groups and expand the branch's microfinance portfolio.
- Identify potential villages, markets, and customer segments within the branch territory.
- Maintain strong relationships with existing borrowers and develop new customer relationships.
- Monitor the performance of Field Officers/Loan Officers and ensure achievement of individual targets.

Microfinance Operations
- Supervise the complete loan cycle, including customer sourcing, group formation, KYC, verification, credit assessment, approval, and disbursement.
- Ensure proper formation and maintenance of JLG/SHG/group lending portfolios as applicable.
- Conduct regular branch and field reviews to ensure adherence to operational procedures.
- Ensure accurate documentation and timely updating of customer and loan records.
- Coordinate with the credit, operations,



and collections teams.

Collections & Portfolio Quality
- Ensure timely collection of loan repayments from customers.
- Monitor overdue, PAR, delinquency, and collection efficiency on a daily basis.
- Take corrective action on overdue accounts and ensure effective follow-up.
- Conduct field visits along with team members when required.
- Maintain a healthy loan portfolio and minimize credit and operational risks.
- Ensure that collection practices are professional, ethical, and compliant with company policies.

Team Management
- Recruit, train, guide, and motivate Field Officers/Loan Officers and branch staff.
- Set daily and monthly targets for the team.
- Conduct regular team meetings and performance reviews.
- Monitor field productivity, customer visits, collections, and recent business generation.
- Develop the team through continuous coaching and on-the-job training.

Compliance & Risk Management
- Ensure strict adherence to KYC, customer protection, internal policies, and applicable RBI/microfinance guidelines.
- Prevent fraud, misappropriation, unauthorized lending, and other operational risks.
- Ensure proper customer documentation and verification.
- Maintain branch records and reports accurately and on time.
- Support internal, audit, and compliance inspections.





Candidate Requirements
- Graduate in any qualification is an advantage.
- 1–3 years of experience in microfinance, NBFC, banking, JLG lending, SHG lending, or similar financial services.
- Prior experience as Branch Manager / Branch Head / Assistant Branch Manager in a microfinance organization is preferred.
- Strong knowledge of microfinance field operations and collections.
- Experience managing Field Officers/Loan Officers.
- Good understanding of group lending and rural/semi-urban customer acquisition.
- Strong leadership, communication, negotiation, and problem-solving skills.
- Willingness to travel extensively within the branch operating area.
- Knowledge of Telugu is preferred.
- Should be comfortable working with field teams and rural customers.

Key Performance Indicators (KPIs)
- Branch disbursement and portfolio growth.
- Achievement of monthly business targets.
- Collection efficiency.
- PAR/overdue and delinquency levels.
- Customer acquisition and retention.
- Portfolio quality.
- Field staff productivity.
- Branch profitability.
- Compliance and audit performance.
- Customer service and grievance resolution.

Preferred Candidate Candidates with experience in microfinance institutions (MFIs), NBFCs, JLG/SHG lending, rural lending, or group-based lending will be given preference.

Location: Thallada, Telangana

Salary: Competitive / Based on experience and company policy

Reporting To: Regional Manager / Area Manager

Pay: ₹18,000.00 - ₹25,000.00 per month

Benefits

- Cell phone reimbursement
- Flexible schedule
- Provident Fund

Work Location: In person

📌 Branch Manager (Khammam)
🏢 RAPID LOANS
📍 Khammam