Branch Manager job at Yuvraj international

Job Summary:

The Branch Manager is responsible for driving the overall operational, and commercial success of the assigned branch. They drive sales performance of the branch, provide leadership to branch staff, ensures adherence to company policies, asset-financing processes and maintain full compliance with local labor laws as well as regulatory standards.

Key Duties and Responsibilities:

Business Growth & Sales Leadership

• Executes the branch sales plans covering cash sales, credit sales, customer acquisition, and dealers.
• Breaks down assigned branch targets, set clear targets for sales officers and other staff at the branch
• Review daily and weekly sales leads, sales (cash and credit) and general branch productivity.
• Builds relationships with motorcycle dealers, vendors, corporate clients and approved referral partners.
• Monitors competitor activity, customer feedback; and recommend actions to improve performance.
• Submit accurate daily, weekly and monthly reports on sales, portfolio quality, collections, customer service, staffing.

Credit Quality & Portfolio Management

• Ensure credit applications are complete, customer identity and income information are verified.
• Manage portfolio quality, including arrears, default rates, early-warning signals, escalate promptly.
• Promote responsible lending, affordability checks, transparent pricing and customer education on repayment.

Branch Operations, Controls & Compliance

• Maintain accurate customer files, KYC records, contracts, receipts and audit trails.
• Ensure compliance with data-protection, health and safety requirements and internal policies.
• Monitor branch expenses, inventory and branch assets in line with approved controls and policies
• Prepare for audits and inspections; report fraud, and misconduct from the assigned branch
• Maintain reliable branch records, ensure business continuity and branch opening/closing procedures.

Customer Experience & Market Reputation

• Ensure customers receive accurate, timely, and excellent services at all times.
• Monitor turnaround times, complaints, feedback; and resolve escalated cases within service standards.

People Leadership & Capability Development.

• Coach and manage branch employees against clear role expectations and performance expectations.
• Conduct regular one-to-ones, team huddles, field support and performance reviews
• Identify skills gaps and coordinate product, credit, sales, compliance and systems training.
• Build a culture of accountability, ethical conduct, inclusion, teamwork and continuous improvement.

Qualifications and Experience

• Bachelor’s degree in Business Administration, Finance, Accounting, Economics, Commerce, Marketing, Management or another relevant discipline.
• At least 3-5 years’ relevant experience in asset financing, lending, banking, microfinance, vehicle/motorcycle financing, sales or branch operations.
• At least 2 years in a supervisory or management role with responsibility for commercial targets, people and operational controls.
• Demonstrated ability to grow a portfolio while maintaining acceptable arrears, compliance and customer-service standards.
• Experience with secured lending, collateral documentation, collections/recoveries, dealer networks and credit assessment is highly desirable.
• Proficiency in Microsoft Office packages, Digital lending platforms/CRM systems, Dashboards with the ability to generate business reports.

Personal Attributes

• Credit and Risk Management
• Sales and Target Execution
• Operations and Asset Control
• Team Coaching and Supervision
• Performance Accountability.
• Customer-Centric Mindset
• Resilience Under Pressure
• Integrity and Trustworthiness
• Emotional Intelligence and People Leadership
• Proactive Problem-Solving & Accountability

• Executes the branch sales plans covering cash sales, credit sales, customer acquisition, and dealers.
• Breaks down assigned branch targets, set clear targets for sales officers and other staff at the branch
• Review daily and weekly sales leads, sales (cash and credit) and general branch productivity.
• Builds relationships with motorcycle dealers, vendors, corporate clients and approved referral partners.
• Monitors competitor activity, customer feedback; and recommend actions to improve performance.
• Submit accurate daily, weekly and monthly reports on sales, portfolio quality, collections, customer service, staffing.
• Ensure credit applications are complete, customer identity and income information are verified.
• Manage portfolio quality, including arrears, default rates, early-warning signals, escalate promptly.
• Promote responsible lending, affordability checks, transparent pricing and customer education on repayment.
• Maintain accurate customer files, KYC records, contracts, receipts and audit trails.
• Ensure compliance with data-protection, health and safety requirements and internal policies.
• Monitor branch expenses, inventory and branch assets in line with approved controls and policies
• Prepare for audits and inspections; report fraud, and misconduct from the assigned branch
• Maintain reliable branch records, ensure business continuity and branch opening/closing procedures.
• Ensure customers receive accurate, timely, and excellent services at all times.
• Monitor turnaround times, complaints, feedback; and resolve escalated cases within service standards.
• Coach and manage branch employees against clear role expectations and performance expectations.
• Conduct regular one-to-ones, team huddles, field support and performance reviews
• Identify skills gaps and coordinate product, credit, sales, compliance and systems training.
• Build a culture of accountability, ethical conduct, inclusion, teamwork and continuous improvement.

• Credit and Risk Management
• Sales and Target Execution
• Operations and Asset Control
• Team Coaching and Supervision
• Performance Accountability
• Customer-Centric Mindset
• Resilience Under Pressure
• Integrity and Trustworthiness
• Emotional Intelligence and People Leadership
• Proactive Problem-Solving & Accountability
• Proficiency in Microsoft Office packages
• Digital lending platforms/CRM systems
• Dashboards with the ability to generate business reports

• Bachelor’s degree in Business Administration, Finance, Accounting, Economics, Commerce, Marketing, Management or another relevant discipline.
• At least 3-5 years’ relevant experience in asset financing, lending, banking, microfinance, vehicle/motorcycle financing, sales or branch operations.
• At least 2 years in a supervisory or management role with responsibility for commercial targets, people and operational controls.
• Demonstrated ability to grow a portfolio while maintaining acceptable arrears, compliance and customer-service standards.
• Experience with secured lending, collateral documentation, collections/recoveries, dealer networks and credit assessment is highly desirable.