Copilot said:

Job Description – Branch Manager (Gold Loans)

Business: Financial Services
Unit: Aditya Birla Capital Limited
Location: Across Branches in India
Designation: Branch Manager – Gold Loans
Reports To: Area Business Head / Area Head
Direct Reports: Manager Valuation, Officer Valuation, Branch Operations & Sales Team (where applicable)

Prepared with reference to the Manager – Gold Valuation JD shared by you. [JD - Manag...Valuation | Word]

1) Job Purpose

To drive overall branch performance by managing business growth, profitability, portfolio quality, customer service, compliance, and operational excellence. The Branch Manager is accountable for end-to-end branch operations, including customer acquisition, loan disbursement, collections, cross-sell, risk management, and supervision of valuation activities through Manager Valuation and Officer Valuation to ensure secure and compliant gold loan operations. [JD - Manag...Valuation | Word]

2) Dimensions

New Relationship

- Drive customer acquisition and branch business growth through local market development and lead generation activities.
- Build strong relationships with customers, influencers, and channel partners.

Managing Existing Relationships
- Ensure superior customer experience and retention.
- Manage branch portfolio, renewals, collections, and customer servicing.

Structuring New Transactions
- Ensure accurate assessment, documentation, valuation, and loan disbursement as per approved policies.
- Monitor adherence to LTV norms and underwriting guidelines.

Compliance of Regulatory Guidelines
- Ensure strict compliance with company policies, audit requirements, regulatory guidelines, and operational SOPs.
- Maintain branch readiness for internal and external audits.

Portfolio Monitoring
- Monitor branch profitability, asset quality, overdue management, auction cases, and risk indicators.
- Ensure timely corrective actions on portfolio deviations.

3) Job Context & Major Challenges

Organization Context

The Gold Loan business operates in a highly competitive workplace where customer turnaround time, trust, operational accuracy, and portfolio quality play a critical role in business success.



The Branch Manager serves as the single-point owner for branch performance, customer satisfaction, risk management, and team effectiveness. [JD - Manag...Valuation | Word]

Job Context

The role is responsible for managing the entire branch business and operations while ensuring sustainable portfolio growth, adherence to compliance standards, operational integrity, and effective people management.

Key Challenges

- Achieving business growth while maintaining portfolio quality.
- Managing branch profitability and productivity.
- Ensuring zero tolerance towards operational and valuation deviations.
- Preventing fraud, spurious gold, and policy violations.
- Maintaining customer experience amidst high transaction volumes.
- Managing collections and recovery efficiency.
- Building and retaining a high-performing branch team.

4) Key Result Areas (KRAs)

Key Result AreaSupporting Actions
Branch Business GrowthAchieve branch targets for disbursement, portfolio growth, revenue, and profitability.
Customer AcquisitionDrive local marketing initiatives and acquire new customers.
Portfolio Quality ManagementMonitor delinquency, NPA trends, renewals, and collections efficiency.
Gold Loan OperationsEnsure accurate valuation, documentation, loan processing, and secure handling of pledged gold.
Team ManagementLead, coach, monitor, and develop Manager Valuation, Officer Valuation, and branch staff.
Customer Service ExcellenceEnsure superior customer experience and timely grievance resolution.
Compliance & Audit ManagementEnsure adherence to SOPs, regulatory requirements, audit controls, and risk guidelines.
Risk & Fraud PreventionStrengthen controls against spurious gold, operational lapses, and fraud incidents.
Cross-Sell & ProductivityDrive sales of other financial products and improve branch productivity metrics.
Collections & Auction ManagementMonitor overdue accounts, support recovery efforts,



and ensure auction readiness as per policy.

5) Job Purpose of Direct Reports

Manager Valuation

Responsible for accurate gold purity testing, valuation, safe handling of pledged ornaments, risk assessment, and compliance with valuation SOPs while supporting customer acquisition and loan disbursement activities. [JD - Manag...Valuation | Word]

Officer Valuation

Responsible for conducting gold testing and valuation activities, maintaining documentation, ensuring secure handling of gold ornaments, and supporting branch operations with adherence to established procedures. [JD - Manag...Valuation | Word]

6) Relationships

Relationship TypeFrequencyNature
Area Head / Regional HeadDaily / WeeklyBusiness reviews, target achievement, portfolio management, escalations.
Risk & Audit TeamNeed-BasedCompliance monitoring, audit closure, risk management.
Operations TeamDailyProcess adherence, transaction approvals, operational support.
HR TeamNeed-BasedManpower planning, employee engagement, performance management.
CustomersDailyBusiness generation, servicing, grievance handling, retention.
Local Influencers & Channel PartnersRegularBusiness development and market penetration.
Security Vendors & Facilities TeamNeed-BasedAsset security, branch infrastructure, vault management.

Educational Qualification

- Graduate in any discipline (MBA preferred).

Experience

- 5–10 years of experience in Gold Loans, Retail Lending, NBFC, Banking, or Financial Services.
- Proven experience in branch management, business development, portfolio management, and team handling.

Key Competencies

- Business Development & Sales Management
- Team Leadership
- Portfolio & Collections Management
- Risk & Compliance Management
- Customer Relationship Management
- Operations & Process Excellence
- Decision Making
- Market Intelligence
- Negotiation Skills
- People Development

Reporting Structure

Area Head / Regional Head
↓
Branch Manager
??? Manager Valuation
??? Officer Valuation

This structure positions the Branch Manager as the overall owner of branch business, operations, valuation controls, portfolio quality, and team performance.

📌 BM - Gold Loan - Hyd (India)
🏢 Financial services
📍 India