Business Growth &

- Target Achievement: Drive monthly and annual targets for new gold loan disbursements, active customer acquisition, and total portfolio tonnage ,

- Disbursement Targets: Achieve monthly, quarterly, and annual loan disbursement targets across various product lines (e.g., gold loans, business loans, personal loans, LAP).

- AUM Growth: Maintain and grow the branch’s total Assets Under Management (AUM) by acquiring new high-value clients and retaining existing customers.

- Cross-Selling: Drive the sales of third-party products, insurance, and fee-based value-added services to optimize branch revenue.

2.

Credit

Quality &

- Risk Management (Weightage: 25%)

- NPA Control: Keep the branch's Non-Performing Assets (NPA) and Net NPA levels within the company's designated safe threshold.

- Collection Efficiency: Manage and optimize the Gross Collection Efficiency (GCE) for early-stage buckets (Bucket 0 to Bucket 3) to prevent delinquencies.

- Portfolio Health: Regularly monitor the health of high-exposure accounts and execute strict portfolio review mechanisms.

3. Compliance, Audit &

- Operations (Weightage: 15%)

- Audit Ratings: Ensure the branch secures a high rating (e.g., "Satisfactory" or "Excellent") in internal, external, and regulatory compliance audits.

- KYC &
- Documentation:





Achieve 100% error-free documentation and strict adherence to Know Your Customer (KYC) and Anti-Money Laundering (AML) guidelines during onboarding.

- Operational Accuracy: Minimize cash discrepancies, vault handling errors, and turnaround time (TAT) delays for loan processing.

4.

Customer

Experience &

- Retention (Weightage: 15%)

- Turnaround Time (TAT): Optimize the loan login-to-disbursement TAT to remain competitive in the market.

- Grievance Redressal: Ensure zero escalated customer complaints and resolve local issues within the corporate Service Level Agreement (SLA) timelines.

- Customer Retention: Implement engagement programs to reduce portfolio churn and encourage loan renewals or top-ups.

5. Team Leadership &

- Resource Utilization (Weightage: 10%)

- Team Productivity: Monitor and drive the individual performance of Relationship Managers (RMs), Customer Service Executives (CSEs), and Collection Officers.

- Attrition Management: Maintain branch staff turnover below the industry or corporate benchmark through continuous motivation and conflict resolution.

- Skill Development: Conduct regular training sessions on current product features, compliance updates, and soft skills for branch personnel.

Pay: ₹25,000.00 - ₹40,000.00 per month

Benefits

- Provident Fund

Work Location: In person

📌 Branch Manager Chavakkad
🏢 MALANKARA MULTI STATE COOPERATIVE CREDIT SOCIETY
📍 Chavakkad