Job Description

Job Requirements
Role/Job Title: Area Operations Manager-Micro Business Loans
Function/ Department: Rural Banking
Job Purpose:
Micro Business Loans will oversee operational activities across multiple branches under the Micro Business Loans (MBL) vertical. This role is critical in ensuring that all operational processes are executed in alignment with established policies, procedures, and regulatory guidelines. The AOM will act as a supervisory layer, maintaining operational discipline, driving process improvements, and ensuring compliance across branches to support business efficiency and customer satisfaction.
Roles & Responsibilities:

• Manage operations across multiple MBL branches and locations.
• Conduct regular branch visits and audits to ensure adherence to operational standards.
• Implement process guidelines consistently across all managed locations.
• Oversee key operational areas including:
• Turnaround Time (TAT) for login and disbursal
• File and property dispatch
• Training and development of branch teams
• Monitor TAT, quality, and defect resolution for self and team.
• Coordinate daily with stakeholders from Sales, Credit, and Product teams.
• Deliver training on product policies and processes to branch teams.
• Ensure zero audit observations across managed locations.
• Drive cost-saving and process improvement initiatives
• Take complete ownership of all branch-level operational processes for the MBL product.

Managerial & Leadership Responsibilities:

• Manage Branch Operations Manager (BOM) behaviour and performance.
• Collaborate effectively with stakeholders including Credit, Sales, and Product teams.
• Ensure all operational activities are executed accurately and efficiently.

Education Qualification:
Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate.
Experience: 10 to 18 years of proven experience in branch operations, preferably in retail lending or micro business loans.

Skills Required