Business Development & Sales:

· Drive branch-level business growth across loan products (secured/unsecured).

· Develop and maintain relationships with local customers, channel partners, and referral sources.

· Achieve monthly sales targets and ensure healthy lead conversion ratios.

Team Leadership & People Management:

· Supervise and mentor branch staff, including sales, credit, and back-office personnel.

· Conduct regular training, performance reviews, and motivate the team to meet branch objectives.

· Maintain high employee engagement and promote a performance-driven culture.

Credit & Risk Management:

· Oversee credit underwriting and ensure quality sourcing and approvals.

· Ensure compliance with credit policies, documentation standards, and KYC norms.

· Coordinate with credit and risk teams to maintain portfolio health and control delinquency.

Branch Operations:

· Ensure smooth day-to-day functioning of branch operations, including customer service, documentation, and cash handling (if applicable).

· Monitor branch expenses and ensure operational efficiency.

· Ensure timely and accurate reporting (MIS) to the head office.

Compliance & Audit:

· Adhere to RBI/NBFC regulations and company policies.

Ensure readiness for audits and implement corrective actions as needed.