Branch Manager / Operation Manager

Job Description:

Hiring for Urban Co-operative Credit Society

Position: Branch Manager / Operation Manager

Education: BBA /B.com / MBA

Experience: Min 5 Years of Experience in Banking / Loan / Co-operative Credit Society

Key Responsibilities:

• Develop and execute a strategic and financial plan
• Lead the Field Staff in conducting market research and survey Activities.
• Supervise and monitor the daily activities of the Branch.
• Develop and maintain a harmonious working relationship among staff.
• Conduct regular performance evaluation of Branch, and recommend any promotion or Termination to the Territory.
• Ensure the safekeeping of all cash, documents, and accountable forms in the possession of the Branch.
• Ensure 100% on-time collection of loan amortizations among the branch. Develop a working culture of “zero tolerance on missed loan payments.”

Core Responsibilities:

• Business Generation 

• People Management 

• Collections Management 

• Co-ordination with supporting Internal Departments

Profit Centre Management:

• Managing complete profit business operations with accountability for profitability forecasting monthly/annual targets & executing them in the given time frame as per organizational planning 

• Strategizing the long term business directions of the region to ensure maximum profitability in line with organizational objectives 

• Coordinating budgets, forecasts and reports & accordingly effectuating business plans to attain maximum sales and optimum revenue. 

Credit and Loan Administration

• Appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning/disbursing loans, ensuring compliance with bank’s credit policies
• Supervising approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post-sanction follow-up and disbursal of loan.
• Handling post-approval activities such as account opening & closure, loan postponements, underwriting, processing of release letters for approved loans & disbursement.
• Formulating effective debt collection mechanisms and coordinating with concerned executives for ensuring timely receipt of money from clients & recovery of bad debts.

 Office Operations

• Managing complete Office operations with a key focus on top-line and bottom-line profitability by ensuring optimal utilization of available resources
• Taking adequate measures for maintaining a balance between the available funds and the requirement, meeting pre-set revenue/profitability norms.
• In the Bank activates overseeing cash operation entailing reconciliation of other Bank or finance accounts, ensuring have advocate cash for operation.
• Managing entire office and Hole branch controlling and administrative decision
• Overseen office and operations in co-operation with team members, supervision and controlling the inter-branch transactions.
• Conducting the board meeting and submission the report of the Board meeting related financial report and the progress and development of the Bank.
• Conducting concurrent audit/internal audit of branch

 Office Activities

• Overseeing cash operations entailing reconciliation of cash count; ensuring registers have adequate cash for operations.
• Handling receipt of a variety of payments and other cash and cash-related transactions; verifying and posting the same to appropriate accounts