Branch Business Head - Housing Loan

The Branch Business Head is a key leadership role responsible for the overall management and performance of a specific branch. This role plays a critical role in ensuring the branch's success in providing housing finance solutions to customers while maintaining a high level of operational efficiency and compliance with regulatory standards.

Key Responsibilities:

Branch Operations Management:

- Oversee the day-to-day operations of the branch, including customer service, loan processing, document verification, and disbursements.

- Ensure compliance with all regulatory requirements and internal policies.

Team Management:

- Recruit, train, and manage a team of branch staff, including loan officers, customer service representatives, and administrative personnel.

- Set performance targets and conduct regular performance evaluations.

Sales and Business Development:

- Develop and implement strategies to drive business growth and achieve branch targets.

- Identify and pursue new business opportunities and partnerships to increase the branch's customer base.

Customer Relationship Management:

- Build and maintain strong relationships with customers to ensure their needs are met and to promote customer retention.

- Address customer inquiries, concerns, and escalations effectively.

Risk Management:

- Monitor and assess credit risks associated with loan applications and ensure compliance with underwriting guidelines.

- Implement risk mitigation measures to minimize default rates.

Compliance and Reporting:

- Ensure all regulatory and compliance requirements are met, including KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures.

- Prepare and submit regular reports on branch performance and activities.

Budget and Financial Management:

- Develop and manage the branch budget, ensuring cost-effective operations and revenue generation.

- Monitor financial performance and take corrective actions when necessary.

Market Research and Competitive Analysis:

- Stay updated on market trends, competitive landscape, and customer preferences to adapt strategies accordingly.