SAIJA FINANCE PVT LTD (NBFC)

1. GENERAL POSTION INFORMATION

Title Branch Manager

Department Branch

Location Bihar/ Jharkhand/UP

Reports to Area /Regional Manager

Qualification Graduate

Experience 2-3 years of relevant experience in Micro Finance Sector operations or other

financial institutions

CTC Upto 2.5 lac p.a.

2. MAIN OBJECTIVE

Position the branch as a leading MFI, maintaining a constantly growing healthy portfolio with the

objective of achieving goals as established and increasing branch profitability

3. ACTIVITIES & TASKS

Promotions and client acquisition:

- Implement and monitor marketing and promotional programmes

- Supervise promotional activities of ABMs of the branch

- Take steps to acquire new clients and minimize drop-outs.

Evaluate effectiveness of marketing and promotional programmes and provide feedback.

_ Evaluations and approval

- Appraise loan applications under all products. Participate in group formation, group meetings during

CRTs and as per the policy

- Verify appraisals by the branch staff.

- Approve loans for groups or individuals

- Participate in Credit Committees, whenever applicable.

Loan disbursement

- Ensure timely disbursement of loans to clients

- Plan and budget disbursement requirements, co-ordinate with BOE for fund management.

- Monitor the quality of customer service provided in the branch and take corrective measures

if necessary.

Collections and monitoring:

- Ensure all collections are made as per the policy. All collection related policies and procedures related to

the customer service, timings, meetings, amounts and deposits are adhered to.

- Ensure that all monitoring formalities are maintained.

- Visit current and potential clients to check on the quality of service and conduct by FEs/ABMs.

- Manage overdues and portfolio quality.

- Conduct on the spot checks on weekly meetings and collections.

Targets

- Take steps to achieve the branch target as agreed upon with the management.

SAIJA FINANCE PVT LTD (NBFC)

- Achieve target ensuring the portfolio quality is maintained, the reputation of organization is protected

and policies and procedures are adhered to.

- Take proactive steps to optimize the branch performance, bring to notice and discuss with the

management on ways to enhance performance.

Periodically

Review the branch’s performance and prepare reports

Review the market potential and dynamics and prepare reports

Evaluate performance of branch staff.

Occasional

Motivate professional development of branch staff by participating in and coordinating training sessions

that benefit efficiency and effectiveness in every-day work functions as well as in the individual career

path of each member.

Participate in training sessions.

Prepare reports as required by the Commercial/Regional Manager and above.

KEY RESPONSIBILITIES

Plan and monitor annual budget in consultation with the BOE

Plan monthly branch activities

Establish zones among FEs

Monitor every-day functions of FEs, establishing goals and verifying how they are met, as guided by the

branch’s commercial plan.

- Make random and surprise reviews of the complete cycle of loan: group formations, evaluation,

disbursements, collections and repeat loans, with the purpose of timely monitoring of quality and

adherence to policy.

See that standards are met: product guidelines, methodology policy and manuals are followed, govt.

regulations are obeyed.

Provide orientation and guidance to staff through timely evaluations, problem-solving, decision making

and communication of any necessary information to staff and informing

Commercial/Regional/Area Manager regarding potential problems or difficulties that may have a

significant influence on successful every-day branch development.

Monitor the proper use of resources, equipment and office material for efficiency.

Schedule visits to clients, keeping in mind potential markets as well as the traditional market served by

the branch, growth, tendencies and characteristics of the area.

Evaluate branch portfolio, analyzing and proposing solutions for possible causes of delinquency, client

desertion or group break-ups.

Follow-up on partially met goals compared with full potential as planned. Review goals met by the

branch as stipulated.

Respond to internal audit reports and monitor implementation of recommendations as agreed

Participate in and report to the HR regarding scheduling and control of annual vacation time,

absences/tardiness, leave, dismissals, and compliance of staff with disciplinary sanctions duty fulfillment

as required for normal every-day successful working of branch.

Communicate with staff regarding changes or modifications in objectives, policies, strategies,

regulations, norms, functions, systems, procedures, methods and other guidelines

SAIJA FINANCE PVT LTD (NBFC)

4. SKILLS

Leadership skills, ability to motivate staff to achieve own and branch goals

Ability to recognize and leverage staff talent and individual aptitudes

Analytical and decision making skills

Ability to interpret technical, administrative documents and financial data

Skillful communication of ideas and knowledge

Optimal and efficient use of material, human and equipment resources

Computer skills: MS Office

Basic accounting and financial knowledge

Basic knowledge of legal aspects governing financial services industry OTHER REQUIREMENTS

Hold a driver’s license (2W or 4W)

Physically fit and willing to work in-field