Basic Details:

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

Business

Ficial Services

Unit

Aditya Birla Capital Limited

Location

Across branches in India

1) Job Purpose:

Write the purpose for which the job exists (in 23 lines)

( Max 1325 Characters)

The Branch Manager Gold Loans is responsible for driving branchlevel business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational goverce.

2) Dimensions:

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

New Relationship
(Max 254 Characters)

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

Managing Existing Relationship
(Max 254 Characters)

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

Structuring new Transactions
(Max 254 Characters)

Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all recent and renewal transactions

Compliance of regulatory guidelines
(Max 254 Characters)

Ensure 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) Job Context & Major Challenges: Write the specific aspects of the job that provide 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 NonDeposit accepting NonBanking Fice Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31Sep 25, ABCL has a panIndia presence with a lending book of approx. Rs. 139, 500 Crores.

ABCL offers endtoend lending solutions to a diverse set of customers 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 Fice (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares),



Supply Chain Fice, Mid and Large Corporate Loans, and Infrastructure Fice 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 customer trust management.

Job Context:

The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational goverce. The role balances growth, yield optimization, and compliance while managing a small but high impact team and ensuring branchlevel risk controls

Key Challenges:

- Achieving aggressive customer acquisition, disbursement and tonnage growth in competitive local markets.
- Maintaining strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.
- Ensuring timely closure of spurious/bentex cases and minimizing auctiontobook ratio.
- Driving collection resolutions for 0 30 DPD while preventing slippages.
- Ensuring branch audit scores >90% with zero tolerance deviations.
- Delivering consistent customer experience in highsensitivity product category (emotional asset).
- Motivating and developing frontline staff for continuous sales and service productivity

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4 7 key result areas) Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Business Growth & Acquisition

Achieve targets for new CUID creation.
Drive new customer disbursements as per percentile role benchmarks.
Ensure net growth and tonnage growth in line with branch plan.

Yield & Profitability Management

Achieve onboarding yield benchmarks
Drive optimal ticket size, renewal mix, and repeat customer engagement.
Ensure costefficient branch operations.

Portfolio Quality & Risk Management

Maintain auctiontobook ratio
Ensure 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 perform timely followup.
Support recovery actions as per internal guidelines.

Compliance, Audit & Goverce

Achieve audit score as defined, ensure closure of audit findings.
Maintain zerotolerance on operational deviations and regulatory breaches.
Ensure accuracy in process, record keeping, and vault management.

Customer Service & Branch Experience

Ensure high service quality, fast turnaround time, and seamless grievance resolution.
Maintain branch hygiene, safety, and security standards.

People Leadership & Productivity

Lead ABM, Gold Valuer, GLO, and CSE for daily performance.
Conduct coaching, onthejob training, and reviews.
Ensure manpower productivity as per branch benchmarks

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 23 lines for each report)

- Assistant Branch Manager: Support branch business operations, supervise frontline staff, and drive daily productivity.
- Manager Gold Valuation: Ensure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.
- Gold Loan Officer: Acquire customers, drive disbursement, manage renewals, and maintain documentation accuracy.
- Customer Service Executive: Deliver superior customer experience, manage service transactions, and support branch operations.

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team 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 goverce discussions.

IT Team

Weekly / Needbased

System issues, process enhancements, user support.

Marketing Team

Weekly / Fortnightly

Local campaigns, lead generation, customer engagement programs.

Risk, Policy, Audit, Compliance, HR

Weekly / Needbased

Escalations, deviations, training needs, audit observations, hiring support.

External

Customers

Needbased

Product queries, service support, relationship building, grievance resolution.

Vendors / Security Partners

Needbased

Vault security, system maintece, operational support.

Local Influencers / Community Stakeholders

Needbased

Acquisitions, outreach, local awareness building.

Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

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