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Job details:
A Branch Manager for Micro Finance Business drives the branch’s business growth, profitability (P&L), and portfolio quality in a designated catchment area. Key responsibilities include customer sourcing / acquisitions, team leadership, compliance with regulatory guidelines (RBI/NBFC), and ensuring quality loan disbursements.
Key Responsibilities and Roles:
- Business Development: Scaled up micro-business lending by identifying high-potential business clusters, leading to expansion of the customer base.
- Operations and Profitability: Oversee daily operations, including cash management, branch administration, and achieving overall product targets (loans, CASA).
- Team Management: Recruit, train, and motivate sales officers and field staff to achieve productivity targets.
- Risk and Compliance: Manage portfolio quality, control delinquency rates (PAR), and ensure adherence to internal/external audit standards.
- Customer Relationship Management: Enhance customer experience to establish IDFC as the primary financial partner, managing relationships within the local catchment.
Required Qualifications & Skills:
- Education: Bachelor’s degree in any field; MBA/PGDM preferred.
- Experience: 4+ years of relevant experience in sales and business development, specifically in microfinance or retail lending.
- Key Competencies: Strong leadership, analytical thinking, financial acumen, team management, and local market knowledge.
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