Employment Type: Full-time

Job Summary:

SRG Housing Finance Ltd. is seeking a dynamic and result-oriented Branch Manager for our Gandhinagar branch. As a pioneer in rural and underserved housing finance, we require a leader who can drive business growth while maintaining high standards of operational integrity. The Branch Manager will lead the entire branch ecosystemfrom sales and credit to operationsensuring the achievement of disbursement targets, portfolio quality, and exceptional customer service in the local regional market.

Key Responsibilities:

Branch Leadership & Operations:

- Oversee day-to-day branch operations, ensuring a seamless workflow between sales, credit, and administrative departments.

- Foster a high-performance culture by managing, mentoring, and motivating branch staff to exceed KPIs.

Business Development & Portfolio Management:

- Drive strategies to acquire new clients in the Gandhinagar region, focusing on rural and semi-urban housing finance needs.

- Manage the end-to-end Loan Lifecycle, ensuring timely processing of applications while maintaining a healthy loan book.

Credit Analysis & Risk Mitigation:

- Collaborate with the credit team to conduct thorough assessments of applicant profiles and property valuations.

- Ensure strict adherence to National Housing Bank (NHB) guidelines and internal credit policies to minimize Non-Performing Assets (NPAs).

Relationship & Stakeholder Management:

- Serve as the primary point of contact for high-value clients and community partners.

- Build and maintain a strong local network to increase the brand's presence in the regional market.

Compliance & Reporting:

- Ensure the branch remains 100% compliant with regulatory requirements and internal audit standards.

- Prepare and present detailed financial and operational reports to the regional/corporate office.

Required Qualifications & Technical Skills:

- Core Experience: Minimum of 5 years in financial services, with significant experience in Home Loans (HL) or Loan Against Property (LAP).

- Managerial Expertise: Proven track record in a managerial role within a Bank or NBFC/HFC environment.

- Credit & Analysis: Strong command over credit analysis, financial statement evaluation, and mortgage documentation.

- Local Market Knowledge: Deep understanding of the Gandhinagar/Gujarat regional market and proficiency in local languages to effectively communicate with the customer base.

- Education: Bachelors or Master's degree in Finance, Business Administration, or a related field (MBA preferred).

Technical & Behavioral Stack:

- Sector Knowledge: Housing Finance Regulatory Framework (NHB/RBI).

- Financial Skills: Credit Appraisal, NPA Management, Disbursement Targets.

- Soft Skills: Negotiation, Strategic Planning, Conflict Resolution, Mentorship.

- Tools: Proficiency in Loan Management Systems (LMS), CRM software, and MS Office Suite.