Branch Manager_Mumbai

Job Description

Basic Details:

Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business

Financial Services

Unit

Aditya Birla Capital Limited

Location

Across branches in India

1) Position purpose:

Write the purpose for which the job exists (in 2-3 lines)

(Max 1325 Characters)

The Branch Manager – Gold Loans is tasked with driving branch-level business performance, making sure compliance, delivering superior client experience, and upholding portfolio quality. The role leads the frontline group to reach disbursement, new client acquisition, yield, audit, collections, and risk KPIs while upholding operational governance.

2) Dimensions:

Mention quantitative or qualitative parameters that are relevant for the job and deliver a better understanding of the scope and scale of the job.

New Relationship

(Max 254 Characters)

Build strong relationships with local clients, partners, authorities, and community influencers to drive branch client acquisition.

Overseeing Existing Relationship

(Max 254 Characters)

Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; make sure productivity and performance management

Structuring new Transactions

(Max 254 Characters)

Make sure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions

Compliance of regulatory guidelines

(Max 254 Characters)

Make sure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.

Portfolio monitoring

Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric

3) Position context & Key challenges: Write the specific aspects of the job that deliver a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section (Max 3975 Characters)

Organization Context

Aditya Birla Capital Limited ("NBFC") is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Sep'25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 Crores.

ABCL offers end-to-end lending solutions to a diverse set of clients - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.

ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context

Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and client trust management.

Position context:

The Branch Manager executes gold loan business at the branch level, making sure revenue, portfolio quality, and operational governance. The role balances growth, yield optimization, and compliance while overseeing a small but high?impact group and making sure branch-level risk controls

Key Challenges:

Reaching aggressive client acquisition, disbursement and tonnage growth in competitive local markets.

Upholding strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.

Making sure timely closure of spurious/bentex cases and minimizing auction-to-book ratio.

Driving collection resolutions for 0–30 DPD while preventing slippages.

Making sure branch audit scores >90% with zero tolerance deviations.

Delivering consistent client experience in high-sensitivity product category (emotional asset).

Motivating and building frontline staff for continuous sales and service productivity

4) Core result areas: Write the key results expected from the job and the assisting actions for each of these core result areas (For most jobs typically there could be 4- 7 core result areas)-

Maximum 10 KRAs can be updated

Core result areas (Max 1325 Characters)

Assisting Actions (Max 1325 Characters)

Business Growth & Acquisition

- Reach targets for new CUID creation.

- Drive new client disbursements as per percentile role benchmarks.

- Make sure net growth and tonnage growth in line with branch plan.

Yield & Profitability Management

- Reach onboarding yield benchmarks

- Drive optimal ticket size, renewal mix, and repeat client engagement.

- Make sure cost-efficient branch operations.

Portfolio Quality & Risk Management

- Sustain auction-to-book ratio

- Make sure strict adherence to LTV, documentation quality, and purity testing protocols.

- Resolve spurious and bentex cases within defined timelines

Collections & Delinquency Management

- Deliver resolution for 0–30 DPD bucket.

- Monitor overdue accounts and execute timely follow-up.

- Back up recovery actions as per internal guidelines.

Compliance, Audit & Governance

- Reach audit score as defined, make sure closure of audit findings.

- Sustain zero-tolerance on operational deviations and regulatory breaches.

- Make sure accuracy in process, record keeping, and vault management.

Client Service & Branch Experience

- Make sure high service quality, fast turnaround time, and seamless grievance resolution.

- Sustain branch hygiene, safety, and security standards.

People Leadership & Productivity

- Lead ABM, Gold Valuer, GLO, and CSE for daily performance.

- Conduct coaching, on-the-job training, and reviews.

- Make sure manpower productivity as per branch benchmarks

5) Position purpose of Direct Reports: Describe the position purpose of the direct report/s to the job (in 2-3 lines for each report)

Assistant Branch Manager: Back up branch business operations, supervise frontline staff, and drive daily productivity.

Manager – Gold Valuation: Make sure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.

Gold Loan Officer: Acquire clients, drive disbursement, oversee renewals, and sustain documentation accuracy.

Client Service Executive: Deliver superior client experience, oversee service transactions, and back up branch operations.

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/group members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with to deliver the job objectives

Relationship Type (Max 80 Characters)

Frequency

Nature (Max 1325 Characters)

Internal

Regional / Cluster Heads

Daily

Business planning, target reviews, risk, productivity, and governance discussions.

IT Group

Weekly / Need-based

System issues, process enhancements, user back up.

Marketing Group

Weekly / Fortnightly

Local campaigns, lead generation, client engagement programs.

Risk, Policy, Audit, Compliance, HR

Weekly / Need-based

Escalations, deviations, training needs, audit observations, hiring back up.

External

Clients

Need-based

Product queries, service back up, relationship building, grievance resolution.

Vendors / Security Partners

Need-based

Vault security, system maintenance, operational back up.

Local Influencers / Community Stakeholders

Need-based

Acquisitions, outreach, local awareness building.

This opening is for the Branch Manager_Mumbai position in Belapur.