About Kissht

Kissht is one of India's fastest-growing fintech platforms, redefining how credit is accessed, distributed, and managed. With over 15 million users, a significant portion from Tier-2 and Tier-3 markets, Kissht leverages deep data science and machine learning algorithms to power seamless, real-time credit delivery. Founded by IIT and IIM alumni, and backed by marquee investors including Endiya Partners, Brunei Investment Authority, and the Government of Singapore, Kissht has established itself as a category leader in inclusive lending.

Position Overview

We are seeking an experienced and performance-driven Assistant Branch Manager to lead operations and drive strategic growth at our Salem branch. The ideal candidate will bring a strong understanding of consumer lending, operational excellence, and people management, while embodying Kissht's ethos of customer-first innovation.

This role is critical to ensuring smooth day-to-day branch operations, accelerating business development initiatives, achieving monthly disbursement and collection targets, and upholding regulatory and compliance standards.

Key Responsibilities

Branch Leadership & Performance Management

- Lead branch-level operations with a strong focus on productivity, profitability, and customer satisfaction

- Supervise, coach, and motivate front-line staff including loan officers, credit executives, and customer support associates

- Manage performance dashboards, KPIs, and ensure alignment with organizational targets

Sales & Business Development

- Drive growth of retail and MSME loan products through strategic partnerships, local outreach, and digital penetration

- Own P&L responsibilities of the branch, ensuring target achievement across disbursements, collections, and cross-sell

- Conduct regular market analysis and identify emerging opportunities in underbanked regions

Operations & Compliance

- Ensure 100% adherence to internal policies, audit requirements, and RBI regulations

- Oversee loan origination, customer KYC validation, and end-to-end disbursement lifecycle using internal digital platforms

- Collaborate with risk, collections, and legal teams to maintain healthy portfolio quality

- Customer Experience & Escalation Management

- Champion a customer-first culture at the branch level

- Address grievances promptly and ensure a seamless service experience across channels

- Build deep community relationships to enhance brand trust and word-of-mouth growth

Qualifications & Skills

Experience:

- 5-8 years of experience in retail banking, NBFCs, or fintech-preferably in branch operations, sales, or credit

- Demonstrated success in team leadership, target achievement, and market expansion

- Familiarity with unsecured lending, EMI-based products, and digital loan platforms

Technical & Functional Competencies:

- Strong understanding of credit underwriting, loan lifecycle management, and operational controls

- Proficient in Microsoft Excel, CRM tools, and internal MIS/reporting systems

- Data-driven decision-making skills with the ability to analyze business performance

Education: Bachelor's degree in Business Administration, Finance, or a related field; MBA preferred

Attributes:

- High ownership mindset, entrepreneurial drive, and ability to thrive in a fast-paced environment

- Strong interpersonal skills, cultural sensitivity, and ability to work with cross-functional teams

- Excellent communication and negotiation skills in English and local language