– Unit Manager

Department

Operations

Company

Annapurna Finance (P) Ltd.

Grade/HR Band

Unit Manager/Associate Manager

Legal Entity

NBFC-MFI

Department

Operations

Regulatory Body

RBI

Location

Head Office

Category

Private Ltd.

Reporting Authority

Area Manager

Package

Up to 7.8 Lacs

Company Overview

Annapurna Finance (P) Ltd. is one of the largest Microfinance companies of India. Since inception Annapurna has grown at an accelerating pace & currently working in more than 1708 locations in 22 states of India. Annapurna offers small size loans to poor women in rural parts of the country for income generation purpose. Annapurna recently has marked his segments like Housing Loan, Consumer Durables Loan, MSME Loan, Fintech etc.

Annapurna Finance Pvt. Ltd (AFPL) was established with the purpose of serving the economically weaker sections of society, by bringing them to mainstream, providing need-based financial services at their doorstep. Its objectives have not only limited to just reach and serve but also by providing financial and technical support to strengthen entrepreneurial skill for effective and efficient undertaking of business activities.

Headquarter: Bhubaneswar, Odisha

Website: https://annapurnafinance.in

Job Purpose

1. To lead and manage the unit team to achieve assigned business targets while maintaining high standards of portfolio quality, operational efficiency, and regulatory compliance.
2. To drive sustainable business growth, strengthen operational processes, ensure portfolio quality, and foster long-term relationships with clients, stakeholders, and internal teams.

Key Responsibilities

Business Expansion & Strategy

1.



Identify potential areas for business growth and support branch and operations teams in planning strategic expansion.

2. Establish and operationalize new branches in line with organizational growth objectives.

3. Promote and drive adoption of new products and services across the assigned geography.

4. Conduct market analysis and implement strategies to enhance business outreach and penetration.

Operational Oversight

1. Monitor and ensure achievement of assigned business targets for existing and new products.

2. Review key performance metrics including portfolio growth, customer retention, branch productivity, and cost efficiency.

3. Set branch-level and individual staff targets and ensure continuous performance tracking.

4. Conduct monthly performance reviews and submit detailed operational reports to Head Office.

5. Ensure smooth day-to-day operations of branches under the assigned unit.

Compliance & Audit

1. Ensure strict adherence to internal policies, audit guidelines, and regulatory requirements.

2. Cross-check cash entries with bank statements, deposit slips, and reconciliation reports.

3. Conduct random verification of loan documentation, client records, and passbooks.

4. Ensure compliance with SHG/JLG meeting protocols, operational guidelines, and documentation standards.

5.



Coordinate with audit and risk teams to address compliance gaps and implement corrective actions.

Leadership & Team Management

1. Provide effective leadership, guidance, and supervision to branch teams for efficient operations.

2. Build a high-performance culture through coaching, mentoring, and performance management.

3. Ensure discipline, ethical conduct, and operational excellence across teams.

4. Monitor staff productivity, attendance, and adherence to company policies.

5. Ensure operational registers, MIS, and records are maintained accurately as per company standards.

Key Skills & Competencies

1. Strong understanding of microfinance operations, industry regulations, and local market dynamics.

2. Excellent leadership, people management, and team-building capabilities.

3. Strong analytical, problem-solving, and decision-making skills.

4. Effective communication and interpersonal skills.

5. Ability to work independently under pressure and meet deadlines.

6. Proficiency in using financial systems, MIS tools, and reporting software.

7. High adaptability to changing business environments and regulatory frameworks.

8. Solid ethical values with a high standard of integrity and accountability.

Educational Qualifications

- Bachelor’s or Master’s degree in Finance, Business Administration, Commerce, Management, or a related discipline.

Experience Requirements

- Minimum 5 years of relevant experience in Microfinance Institutions (MFI), NBFC, or Banking operations.

- Proven experience in managing unit-level or regional operations with measurable business and portfolio outcomes.

- Strong track record of business growth, compliance management, and team leadership.

📌 Unit Manager/Operations/Assam/2026 (Guwahati)
🏢 Annapurna Finance
📍 Guwahati