Job Description

Position Title: Branch Manager / Branch In-Charge

Department: Sales & Operations

Business Segment: Retail Assets & Liabilities

Reports To: Area Manager / Regional Manager

Role Overview: The Branch Manager is responsible for the comprehensive management of branch operations, driving business development, leading the team, and ensuring exceptional service delivery. This position requires a strategic leader with strong interpersonal skills, capable of enhancing profitability, optimizing customer experience, and maintaining full regulatory compliance. The successful candidate will possess a balanced combination of sales expertise, operational knowledge, and leadership acumen to effectively elevate branch performance.

Key Responsibilities

Business Development & Revenue Growth

- Spearhead branch growth initiatives across both asset (loan) and liability (deposit) portfolios.

- Develop and implement strategic plans to meet or exceed sales targets for all products and services.

- Identify and leverage local market opportunities through targeted outreach efforts.

- Establish strategic partnerships with local businesses, community influencers, and stakeholders to generate leads and enhance market presence.

- Ensure timely follow-up and maximize the renewal of all eligible Fixed Deposit (FD) accounts, maintaining proper tracking and closure of each case in the branch.

- Ensure regular follow-up on all Recurring Deposit (RD) renewals and loan repayments, promoting financial

discipline among customers and timely adherence to commitments.

Customer Relationship Management

- Build and maintain strong relationships with customers to ensure high satisfaction and loyalty.

- Address customer inquiries and resolve grievances promptly, upholding service excellence.

- Promote and encourage adoption of digital banking services among customers.

Operational Management

- Oversee day-to-day branch operations, including cash management, documentation, and compliance audits.

- Monitor cash flows, maintain accurate financial records, and manage branch inventory controls.

- Conduct periodic reviews and audits to identify and mitigate operational risks and discrepancies.

Team Leadership & Development

- Lead, coach, and motivate branch staff to achieve individual and team performance objectives.

- Define clear KPIs, conduct performance appraisals, and organize training programs to foster professional growth.

- Cultivate a culture of accountability, teamwork, and continuous improvement within the branch.

- Motivate team members through effective training, continuous handholding, and support, while ensuring attrition is controlled in the branch.

Compliance & Risk Mitigation

- Ensure strict compliance with regulatory requirements, internal policies, and cooperative banking standards.

- Perform regular audits and implement corrective actions as necessary.

- Manage risk effectively by enforcing credit appraisal procedures, documentation standards, and recovery processes.

Financial Oversight & Reporting

- Monitor branch profitability, manage operational costs, and ensure financial sustainability.

- Prepare and submit timely and accurate reports covering business performance, customer feedback, and operational metrics.

- Collaborate with finance, HR, and audit teams to maintain data integrity and regulatory compliance.

Branch Environment & Brand Representation

- Maintain a clean, professional, and welcoming branch environment consistent with organizational standards.

- Represent the organization professionally in all external and community engagements.

Additional Responsibilities

- Coordinate with other departments such as marketing, compliance, and technology to support organization-wide initiatives.

- Monitor local competition and customer behaviour to inform sales and service strategies.

- Be available to provide support to nearby branches or undertake additional responsibilities as required.

Qualifications & Experience

- Bachelors degree in any discipline; Masters degree preferred.

- 3 to 5 years of leadership experience within banking, NBFCs, cooperative societies, or other financial institutions.

- Proven track record in sales with experience in field-based customer acquisition.

- Excellent communication, interpersonal, and team management skills.