Job Description

Product: Business Loans

Key Responsibilities:

1. Branch Leadership & Business Development

Lead the branch in achieving business loan sales targets and revenue goals. Develop strategies to expand the SME and business loan portfolio. Identify new business opportunities through market research, networking, and partnerships. Build and maintain strong relationships with key business clients.

2. Loan Portfolio Management

Oversee the entire business loan cycle--from sourcing to approval and disbursement. Ensure healthy portfolio growth with low delinquency and optimal asset quality. Monitor loan performance, delinquency, and early warning indicators. Support restructuring or remedial actions where necessary.

3. Credit & Risk Compliance

Ensure all loan applications meet internal credit policies and regulatory guidelines. Collaborate with the Credit Manager to ensure quality underwriting and documentation. Conduct periodic reviews of high-value accounts and risky exposure. Ensure compliance with audit, internal controls, and risk management frameworks.

4. Team Management & Development

Lead, mentor, and motivate branch staff including Relationship Officers and Credit Officers. Set performance goals, conduct appraisals, and provide coaching and training. Foster a strong sales culture while ensuring disciplined credit practices. Promote teamwork, customer focus, and operational excellence.

5. Operational & Customer Service Excellence

Oversee branch operations to ensure efficient workflow and customer satisfaction. Ensure timely resolution of customer complaints and support smooth service delivery. Maintain proper documentation, reporting, and operational compliance. Ensure branch facilities, resources, and systems are optimized for performance.

6. Stakeholder & Cross-Functional Collaboration

Coordinate with senior management, credit, legal, and operations teams to support branch activities. Represent the branch in regional meetings, performance reviews, and business planning sessions. Develop partnerships with local business communities and industry associations.

Qualifications & Experience:

Education

Bachelor's degree in Business, Finance, Banking, Economics, or related field. Master's degree or professional certifications (e.g., Banking, Credit, Management) are a plus.

Experience

5-7+ years of experience

in business banking, SME lending, or financial services. At least

2-3 years in a leadership or branch management role

. Proven track record of achieving sales targets and managing loan portfolios.

Skills & Competencies:

Strong leadership and people management skills. In-depth knowledge of business loans, SME financing, and credit processes. Excellent sales, negotiation, and client relationship skills. Strong analytical skills with good understanding of financial statements. High level of integrity, professionalism, and decision-making ability. Effective communication and stakeholder management skills. Proficiency in MS Office and core banking systems.

Key Attributes:

Result-driven and business-focused Customer-centric approach Strategic thinker with operational discipline Strong organizational and time-management skills Ability to work under pressure and meet deadlines

Working Conditions:

Branch-based role with regular field visits for client meetings. May require extended hours during month-end or peak business periods.

Job Type: Full-time

Location: As per company requirement

Salary:

Attractive salary + Business Incentives + Petrol Allowance + Yearly Once bonus & Appraisal + PF & ESI.

Job Types: Full-time, Permanent

Pay: ₹25,000.00 - ₹50,000.00 per month

Benefits:

Provident Fund
Ability to commute/relocate:

Perambur, Chennai, Tamil Nadu: Reliably commute or willing to relocate with an employer-provided relocation package (Preferred)
Education:

Master's (Required)
Experience:

business loan: 5 years (Required) business banking: 5 years (Required)
Willingness to travel:

50% (Required)
Work Location: In person