Aye Finance - Branch Manager

Branch Manager - Haveri, Karnataka

About Aye Finance Ltd:

Aye Finance Ltd., headquartered in Gurgaon, is a leading modern finance company dedicated to empowering small and micro enterprises across India with essential business loans. Since our inception in 2014, we have achieved remarkable growth in serving this often under-banked sector, all while upholding stringent credit quality standards. Our mission is to unlock financial opportunities for millions of small businesses, thereby fostering significant economic and social impact. At Aye Finance, we are committed to leveraging relevant technology to champion financial inclusion nationwide, adopting a holistic approach to support micro-enterprises. We deeply value our employees, investors, and the entrepreneurs we serve, cultivating an environment that makes Aye Finance a truly rewarding place to work.

Role Description:

We are seeking a highly motivated and experienced Branch Manager to lead our operations in Haveri, Karnataka. This is a full-time, on-site position where you will be instrumental in overseeing the complete daily operations of the branch. As a Branch Manager, you will be responsible for leading and managing a dedicated team, ensuring exceptional customer satisfaction, and achieving ambitious financial targets. This role demands a proactive leader with a strong understanding of the financial landscape and a commitment to driving business growth while maintaining robust compliance.

Key Responsibilities:

Branch Operations Management:

- Supervise and streamline loan disbursement processes, ensuring accuracy and adherence to company policies.

- Maintain and improve the quality of the loan portfolio through diligent monitoring and proactive measures.

- Ensure compliance with all internal policies, procedures, and external regulatory requirements.

Team Leadership & Development:

- Conduct regular performance reviews, provide constructive feedback, and identify training needs to foster professional growth.

- Foster a positive, collaborative, and results-oriented work environment.

- Manage staff scheduling, leave, and other administrative aspects efficiently.

Business Development & Growth:

- Establish and nurture strategic partnerships with local businesses, community leaders, and relevant organizations.

- Develop and implement effective branch strategies to achieve and exceed financial and business targets (e.g., loan disbursals, customer acquisition, portfolio quality).

- Analyze market trends and competitor activities to identify areas for business expansion.

Credit Assessment & Risk Management:

- Mitigate risks by ensuring proper documentation, verification, and due diligence in all loan processes.

- Implement and monitor collection strategies to maintain healthy portfolio quality.

Customer Service Excellence:

- Build strong, long-term relationships with customers, promoting trust and loyalty.

- Handle customer escalations and provide resolutions in a professional manner.

Reporting & Analysis:

- Analyze data to identify trends, opportunities, and areas for improvement.

Qualifications:

- Master's degree in Finance, Business Administration, or a related field.

- Previous experience in the finance industry is essential, preferably with a proven track record in a managerial or leadership role within a financial institution (e.g., NBFC, Bank, MFI).

- Strong leadership and staff management skills with a demonstrated ability to inspire and guide a team.

- Extensive experience in overseeing daily branch operations and a strong commitment to customer service excellence.

- In-depth knowledge of loan disbursement processes and credit assessment methodologies.

- Proven ability to drive business growth and establish strategic partnerships.

- Excellent communication and interpersonal skills, with the ability to engage effectively with diverse stakeholders (customers, staff, partners, senior management).

- Strong understanding of financial regulations and compliance pertinent to the lending industry.

- High level of integrity, strong ethical standards, and a customer-centric approach.

- Proficiency in local language (Kannada) will be a significant advantage.