Job Title: Branch Manager
Reporting To: Regional Head
Principal Accountabilities
Business target
· Responsible for achievement of Disbursement targets allotted to the branch on Housing & mortgage Loans and insurance premiums.
· Responsible for the meeting the Weighted Average Yield target allotted to the branch.
· Responsible for Portfolio growth of the branch and retention of existing customers.
Lead generation & management activities
· Monitoring the activities of the Sales Officers at all locations and ensure regular flow of business
· Empanelment of the direct sourcing agents at all locations regularly to ensure steady flow of business from major sourcing channels
· Planning & execution of marketing activities of the locations with a monthly calendar and monitoring the same on a daily basis
· Monitoring productivity of the Sales Officers and ensuring that all of them meet the productivity norms on monthly basis
Business Process flow & Management
· Responsible for housing loan file logins as per the product & policy norms of Aham HFC.
· Location visits to meet the identified customers for appraisal of the loan proposal
· Ensuring proper & complete documentation of housing loan files put up for sanction.
· Management of post sanction documentation i.e. disbursement documentation.
· Ensuring customer satisfaction for all loans sanctioned & disbursed by Aham HFC.
Team recruitment & training
· Responsible for recruitment of sales officers, training them and ensuring the productivity levels as per the norms of the company.
Portfolio Quality Management
· Responsible for management of portfolio quality.
· Responsible for closure of outstanding post disbursal documentation
· Handling chronic / delinquent accounts and initiating appropriate action for regularisation of the loan
Person Profile
Educational Qualification: Under Graduate / Post Graduate.
Experience: 8 Years to 12 Years (Housing Loan Experience is must)