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Job Description – Branch Manager (Gold Loans)
Job Title:
Branch Manager – Gold Loans
Department:
Gold Loans
Reporting To:
Area Head / Regional Manager – Gold Loans
Location:
As Assigned
Position purpose
The Branch Manager is tasked with overseeing the overall branch operations and driving business growth in the Gold Loan business. The role involves reaching business targets, making sure operational excellence, upholding portfolio quality, delivering superior client service, and making sure adherence to regulatory and company policies. The Branch Manager will lead and supervise the branch group, including Manager Valuation and Officer Valuation.
Key Responsibilities
Business Development & Revenue Growth
Reach branch-level Gold Loan business targets and profitability objectives.
Drive client acquisition, retention, and portfolio growth.
Establish local marketing initiatives and business generation activities.
Build strong relationships with clients, referral partners, and local influencers.
Make sure cross-selling of company products and services.
Branch Operations Management
Oversee day-to-day branch operations and make sure smooth functioning.
Monitor loan processing, disbursement, renewals, and closures.
Make sure branch productivity and operational efficiency.
Sustain branch infrastructure, security, and asset management.
Credit & Risk Management
Make sure proper appraisal and valuation of pledged gold.
Monitor portfolio quality and delinquency levels.
Initiate recovery actions and control overdue accounts.
Make sure adherence to risk management and fraud prevention guidelines.
Group Management
Lead, guide, and motivate branch employees to reach business objectives.
Supervise Manager Valuation and Officer Valuation teams.
Conduct regular performance reviews and coaching sessions.
Identify training and development needs of branch staff.
Compliance & Governance
Make sure strict adherence to company policies, RBI guidelines, and regulatory qualifications.
Sustain accurate branch records and documentation.
Make sure compliance with audit qualifications and timely closure of observations.
Promote a culture of ethical business practices and compliance.
Client Service
Deliver exceptional client experience and service quality.
Resolve client complaints and escalations promptly.
Make sure client satisfaction and strengthen client relationships.
Key Performance Indicators (KPIs)
Branch Business Achievement
Portfolio Growth
Profitability
Collection Efficiency
Portfolio Quality (NPA/Delinquency Control)
Client Acquisition and Retention
Audit Compliance Score
Group Productivity and Engagement
Educational Qualification
Graduate in any discipline.
MBA or Post-Graduate qualification preferred.
Experience
5–10 years of experience in Gold Loans, Banking, NBFC, Financial Services, or related sectors.
Minimum 2–3 years of experience in branch operations and group handling.
Strong understanding of Gold Loan operations, appraisal processes, collections, and compliance qualifications.
Capabilities & Competencies
Leadership and Group Management
Business Development & Sales Management
Client Relationship Management
Gold Loan Product Knowledge
Credit and Risk Assessment
Operational Excellence
Collection & Recovery Management
Communication and Interpersonal Capabilities
Analytical and Problem-Solving Capabilities
Direct Reports
Manager Valuation
Officer Valuation
Branch Operations Staff (where applicable)
Preferred Applicant Profile
Proven track record in reaching business targets.
Strong client orientation and relationship management capabilities.
Ability to oversee branch profitability and operational efficiency.
Sound knowledge of regulatory and compliance qualifications applicable to Gold Loans and NBFC operations.
This opening is for the BM - Gold Loan - Hyd 3 position in Secunderabad - Mayfair Complex.
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 5-10 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a BM - Gold Loan - Hyd 3 at Aditya Birla Group.
This role requires around 5-10 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.