JOB DESCRIPTIONSenior Branch Manager

Department: Branch Operations
Reporting To: Regional Manager / Management
Location: Branch

Job Purpose

To manage the overall operations and business development of the branch, achieve business and collection targets, maintain portfolio quality, ensure customer satisfaction, and ensure strict compliance with company policies and procedures.

Key Responsibilities

- Business Development
- Achieve monthly and annual branch business targets.
- Develop new customers and strengthen existing customer relationships.
- Promote the company's loan products and other financial schemes.
- Identify current business opportunities within the branch area.
- Branch Operations
- Manage the day-to-day functioning of the branch effectively.
- Ensure proper documentation, verification, disbursement, and account closure procedures.
- Ensure compliance with company policies, circulars, and operational guidelines.
- Maintain proper branch records and reports.
- Collection & Portfolio Management
- Monitor daily collections and overdue accounts.
- Ensure timely follow-up and recovery of overdue/NPA accounts.
- Monitor branch portfolio quality and take corrective action wherever required.
- Coordinate with the Recovery Team for difficult and overdue cases.
- Team Management
- Lead, supervise, and motivate branch staff.
- Allocate responsibilities and monitor individual performance.
- Conduct regular review meetings and provide guidance to team members.
- Identify training requirements and support employee development.
- Customer Relationship Management
- Maintain good relationships with customers and ensure quality service.
- Handle customer complaints and resolve issues promptly.




- Ensure proper communication of company schemes, policies, and requirements to customers.
- Compliance & Risk Control
- Ensure KYC, documentation, audit, and regulatory requirements are properly followed.
- Prevent operational irregularities, fraud, and misappropriation.
- Cooperate with internal and external audit teams and ensure timely rectification of audit observations.
- Reporting
- Submit daily, weekly, and monthly branch reports to the concerned authority.
- Monitor business, collection, portfolio, overdue, and staff performance.
- Attend management/Regional Office review meetings as required.

Key Performance Indicators (KPIs)

- Branch business growth
- Collection efficiency
- Portfolio quality and NPA control
- Customer acquisition and retention
- Team productivity
- Compliance and audit performance
- Timely submission of reports
- Overall branch profitability

Required Qualifications & Skills

- Graduation in any discipline; MBA/Finance qualification preferred.
- Minimum 3–5 years of experience in NBFC, banking, microfinance, or financial services.
- Strong knowledge of loan operations, collections, and branch management.
- Good leadership, communication, negotiation, and customer-handling skills.
- Ability to achieve business targets and manage a team effectively.
- Basic computer and MIS/reporting skills.

Authority & Accountability

The Senior Branch Manager is responsible for the overall business, operations, collection, staff performance, customer service, compliance, and profitability of the branch, subject to the policies and approval limits of the Company.

Pay: ₹20,000.00 - ₹30,000.00 per month

Work Location: In person

📌 Senior Branch Manager (Thrissur)
🏢 Cherussery Credits
📍 Thrissur