Branch Head

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About the Organization

"NABFINS is an initiative of NABARD born out of serious concerns about the practices of NBFC MFIs in the mid-2000. Entrusted with the responsibility of promoting the microfinance sector besides scaling up SHG-Bank Linkage NABARD thought it fit to form a Micro Finance institution on a pilot basis with the objective of developing it as a model NBFC in the country which will facilitate setting up of benchmarks and standards for the MFI sector. In particular, NABFINS objective was to ensure that the various maladies found in the sector such as lack of transparency in accounting and disclosure, high transaction cost, lack of diversification in products, increased rates of interest, coercive collection practices, etc. are sought to be eliminated by establishing a fair and transparent Micro Finance Institution.” NABFINS provides microfinance and other financial services to the needy and disadvantaged sections of the society for securing their prosperity in rural, semi-urban, and urban areas. NABARD, an apex development, a financial institution in our country had pioneered the world’s largest microfinance movement called the SHG Bank Linkage program. NABFINS as a subsidiary of NABARD shall evolve into a model microfinance Institution to finance SHGs and JLGs and to set standards of governance among the MFIs, operate with exemplary levels of transparency, and extend its outreach to the needy, directly or through Business correspondents and Business Facilitators.

Job Description

The Branch Head would be responsible for business development, operations management, training, staff management for his branch. He would be reporting to the RM or FH (AGM-DL) and would have a team of CSEs and CSOs and MIS-officer reporting to him. In addition to this, he will also be responsible for providing compliance towards audit observations in his branch.

Job Responsibilities

Business Development and Monitoring

• Plan and follow-up for disbursement achievement for the branch
• Identify new location for business purpose through his team of CSO and CSE
• Providing village information for new potential
• Setting target for his CSOs.
• Follow up with CSOs and CSEs for 100% collection from all allotted accounts.
• Have a timely review with CSOs and CSEs regarding present overdue accounts and NPA accounts.
• Take action and plan for recovery from NPA accounts with CSOs and CSE.
• Monitoring of Post Disbursement Visits for CSOs and CSEs. BH is to review the same with his team during meetings.
• BH is required to do Post Disbursement Visit of a minimum of 10% of all accounts disbursed in previous month and share the report to RM/FH at month end.
• Review Work plan and Work Done with all branch team.
• Do necessary implementations in CMS for doing disbursement entries and other required work.
• Ensuring other work as directed by HO.

Customer Addition and Portfolio Management

• He/She is to ensure timely collection through all CSOs and CSEs.
• He/She is to ensure that all collection entries are updated on time as directed by HO.
• Report on any overdue collections on daily basis.
• Follow up with branch staff and ensuring collection for any pending collection from default customers.
• Identify proper customers through field visits and interaction.
• Ensure that there is minimum dormancy in his branch portfolio.
• Conduct any customer addition process as instructed by HO.

Business Administration and Manpower management

• Has to look after branch setup and administrative requirements for branches.
• Consolidate and share the admin data details as required from HO.
• Co-ordinate with Admin department for resolving any branch asset requirement.
• Provide recommendation/approval towards employee or branch related claims and settlements.
• Control staff attrition and thus maintain adequate manpower as per budgetary allowance.

Training and Process Review

• Provide training and process knowledge to all branch staff.
• Inform and educate staff about any change in business process.
• Provide staff training on NABFINS loan disbursement and collection process, etc.

MIS and Daily reporting

• Preparing daily business MIS for his branch and sharing the same to HO.
• Follow-up with branch staff to ensure that data is entered in CMS for disbursements, collections and remittances, etc.
• Provide necessary support to his staff as required.
• Escalate necessary information to HO from branch and vice-versa
• Use necessary data from CMS/staff to monitor his branch team efficiency and achieve target parameters.

People Management and Team development

• Leave Management and approval authority of the leaves taken by employees of branch.
• Co-ordinate with HR to raise any necessary disciplinary action on required staff. 3. Responsible for upkeep company of vision and best practices in his region.
• Maintain a positive environment to avoid attrition in branch.
• Provide a mentoring role to all employees.
• Conduct Training to employees as per directions of HO.

Education Qualification/Required Skills & Experience

Graduates and above

• Must be well-versed with the local language and English.
• Must have a working knowledge of Microsoft Excel, Word
• Must have a working knowledge of handling computer systems.
• Driver’s License and Motorcycle is a must.

Experience

• 3-4 years’ of work experience in microfinance institution
• Knowledge of local language and willingness to travel extensively is mandatory.

Age Limit

• Maximum age limit at 37 years. For candidates with relevant experience the same may be relaxed.

For more information please check the Link

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