Branch Manager – Microfinance

Department: Microfinance / Branch Operations
Position: Branch Manager
Reports To: Area Manager / Regional Manager
Employment Type: Full-time
Industry: Microfinance / NBFC / Financial Services

Job Summary

We are looking for an experienced and result-oriented Branch Manager – Microfinance to manage the complete operations of the branch, including business sourcing, JLG/SHG customer acquisition, loan disbursement, collections, portfolio quality, team management, customer service and regulatory compliance.

The Branch Manager will be responsible for achieving branch business targets while maintaining healthy portfolio quality and ensuring strict adherence to company policies, customer-protection standards and applicable regulatory requirements.

Key Responsibilities

1. Business Development & Customer Acquisition

- Achieve monthly/quarterly branch disbursement and portfolio-growth targets.
- Identify new markets, villages and customer segments.
- Drive sourcing and formation of Joint Liability Groups (JLGs) / SHGs.
- Monitor lead generation, customer acquisition and conversion.
- Develop and maintain strong relationships with borrowers and local communities.
- Identify opportunities for branch expansion and deeper market penetration.

2. Loan Operations

- Supervise the complete loan cycle from customer sourcing to disbursement.
- Ensure proper KYC, documentation, verification and credit-process compliance.
- Monitor loan applications, approvals and disbursements.
- Ensure proper end-use monitoring wherever applicable.
- Coordinate with Credit and Operations teams for timely processing.

3. Collections & Portfolio Management

- Ensure timely repayment and achievement of collection targets.
- Monitor PAR, overdue accounts, delinquency and collection efficiency.




- Closely follow up on delayed/overdue accounts.
- Conduct field visits and participate in customer/centre meetings.
- Take corrective action to control delinquency and potential fraud.
- Maintain healthy portfolio quality while following ethical collection practices.

4. Team Management

- Lead and supervise Field Officers, Loan Officers, Credit/Operations staff and other branch employees.
- Set daily, weekly and monthly targets.
- Conduct regular team meetings and performance reviews.
- Monitor field productivity, customer visits, sourcing and collections.
- Coach and mentor team members to improve performance.
- Support recruitment and training of branch personnel.

5. Branch Operations & Administration

- Manage day-to-day branch operations.
- Ensure proper maintenance of customer and loan records.
- Monitor branch cash handling and reconciliation as per company SOP.
- Review daily/weekly/monthly branch MIS.
- Ensure timely submission of reports to the Area/Regional Manager.
- Maintain branch infrastructure, records and operational discipline.

6. Compliance, Risk & Audit

- Ensure adherence to company policies, SOPs and applicable RBI/microfinance regulations.
- Ensure proper KYC and customer documentation.
- Prevent fraud, misappropriation and unauthorized transactions.
- Ensure compliance with customer-protection and fair-practice requirements.
- Coordinate with internal/external audit teams.
- Close audit observations within prescribed timelines.

7.



Customer Service & Grievance Handling

- Maintain professional relationships with borrowers.
- Address customer queries and complaints promptly.
- Ensure transparent communication regarding loan terms, repayment schedules and charges.
- Escalate unresolved grievances through the prescribed process.

Key Performance Indicators (KPIs)

- Branch disbursement achievement
- Portfolio growth
- Collection efficiency
- PAR / delinquency levels
- Overdue reduction
- Customer acquisition
- Customer retention
- Field staff productivity
- Branch profitability
- Portfolio quality
- Audit/compliance performance
- Customer grievance resolution

Candidate Profile

Education

- Graduate in any discipline preferred.

Experience

- 2–5 years of experience in Microfinance / MFI / NBFC / Banking.
- Experience in JLG/SHG lending, field collections and branch operations preferred.
- Candidates currently working as Branch Manager, Assistant Branch Manager, Senior Field Officer or equivalent may be considered depending on experience.

Required Skills

- Microfinance branch operations
- JLG/SHG lending
- Customer acquisition
- Collection & recovery management
- Portfolio/PAR monitoring
- Team management
- Field operations
- MIS/reporting
- Customer relationship management
- Risk and compliance awareness
- Good communication and negotiation skills

Additional Requirements

- Willingness to undertake regular field visits.
- Two-wheeler and valid driving licence preferred.
- Knowledge of the local language and geography preferred.

Reporting Structure

Branch Manager → Area Manager → Regional Manager → Zonal/State Head

Pay: ₹250,000.00 - ₹350,000.00 per year

Perks:

- Health insurance
- Life insurance
- Provident Fund

Work Location: In person

📌 Branch Manager (Tamil Nadu)
🏢 Pragati Finserv
📍 Tamil Nadu