Key Responsibilities
Manage overall branch operations, business growth, and profitability.
Lead, guide, and monitor the branch team, including CROs and other field staff.
Achieve branch targets for disbursement, portfolio growth, collections, and customer acquisition.
Ensure portfolio quality by closely monitoring overdue, PAR, and collection efficiency.
Conduct regular field visits and review centre/group meetings.
Ensure compliance with company policies, RBI guidelines, and internal processes.
Monitor credit appraisal, documentation, KYC, and loan disbursement processes.
Identify and control operational, credit, fraud, and other branch-level risks.
Track employee productivity and provide coaching/support to improve performance.
Handle customer grievances and maintain solid customer relationships.
Coordinate with Regional/Zonal teams and submit timely MIS and branch reports.
Ensure proper audit and inspection compliance and closure of observations within timelines.
Support recruitment, training, performance management, and retention of branch employees.
Key Skills
Microfinance branch operations
Team leadership & people management
Business development
Collection & portfolio management
Credit & risk management
Field operations
Customer relationship management
Analytical and decision-making skills
Communication and negotiation skills
Preferred Experience
3+ years of Branch Manager experience with 6+ years of overall Microfinance experience would be ideal for a Senior BM profile.