Job Title

JOB DESCRIPTIONExperience : 3 - 6 YrsLocation : Bengaluru / TrichyDesignation : Branch Manager (LAP)About Company:It is a leading digital lending platform that provides quick, app-based personal loans to individuals, especially young professionals and first-time borrowers. The platform uses a fully online process—application, verification, approval, and disbursal—making it easy for users to access short-term and small-ticket credit. With a focus on flexible repayment options, simplified documentation, and fast processing, it aims to offer accessible credit solutions to people who may not have a traditional credit history.Key Responsibilities:1 Branch Operations Management:- Oversee the day-to-day operations of the branch, ensuring efficient workflow and adherence to company policies. - Ensure the branch meets its targets for LAP disbursals, customer acquisition, and revenue generation. - Implement branch-level strategies to drive business growth and profitability. - Monitor branch performance through regular reviews and ensure compliance with all operational standards.2 Sales Leadership:- Lead the branch's LAP sales efforts, setting targets, and motivating the team to achieve them. - Develop and implement sales strategies to increase the branch’s market share in the LAP segment. - Identify and pursue new business opportunities, including developing relationships with real estate agents, brokers, and other partners. - Personally manage key customer relationships and handle complex or high-value LAP transactions.3 Team Management:- Recruit, train, and manage branch staff, including sales executives, loan officers, and support staff. - Conduct regular performance reviews, providing feedback and coaching to ensure staff meet their individual targets and professional development goals. - Foster a positive and collaborative work environment, encouraging teamwork and high levels of employee engagement. - Ensure all team members are well-versed in LAP products, compliance requirements, and customer service standards.4 Customer Relationship Management:- Ensure the branch delivers a high standard of customer service, building strong relationships with both new and existing clients. - Oversee the resolution of customer issues and complaints, ensuring prompt and effective solutions. - Develop and maintain relationships with high-net-worth individuals and corporate clients for LAP offerings. - Promote customer retention and satisfaction through personalized service and effective problem-solving.5 Risk and Compliance Management:- Ensure all LAP loan applications are processed in accordance with company policies and regulatory requirements. - Work closely with the credit and risk teams to assess and manage the risk associated with LAP transactions. - Ensure the branch adheres to all regulatory requirements, including KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines. - Conduct regular audits and reviews to ensure compliance and mitigate potential risks.6 Reporting and Documentation:- Prepare and present regular reports on branch performance, including metrics such as loan disbursals, conversion rates, and profitability. - Ensure accurate and timely documentation of all branch activities, including customer interactions and loan processing. - Maintain up-to-date records in the company’s CRM and loan management systems. - Assist in the preparation of branch-level business plans and budgets.7 Continuous Improvement:- Stay updated on industry trends, market conditions, and competitor activities in the LAP segment. - Identify opportunities for process improvements and implement best practices to enhance branch performance. - Support the introduction of new products, technologies, and initiatives aimed at improving the LAP offering and customer experience.Qualifications:- Education: Bachelor’s degree in Business, Finance, or a related field preferred. MBA or equivalent qualification is a plus. - Experience: Minimum of 7-10 years of experience in sales, with at least 3-5 years in a branch management or leadership role, preferably within the mortgage, real estate, or financial services industry.Required Skills:- Strong leadership and team management skills. - Excellent communication, negotiation, and interpersonal skills. - Deep understanding of LAP products, mortgage lending, and real estate markets. - Proficiency with CRM software and branch management tools. - Analytical skills to interpret sales data and make informed decisions. - Knowledge of relevant laws and regulations governing mortgage lending and branch operations.