Role Purpose To lead and manage the end-to-end operations of a Gold Loan branch, driving business growth, ensuring operational excellence, maintaining portfolio quality,

and delivering superior customer experience while adhering to regulatory and risk guidelines.

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Key Responsibilities

1.

Business

Delivery & Growth

- Drive Gold Loan portfolio growth through branch walk-ins, local sourcing,

and cross-selling initiatives

- Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility
- Achieve monthly targets for loan disbursement, revenue, and profitability
- Identify new business opportunities within the catchment area

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2.

Branch Operations

Management

- Oversee daily branch operations ensuring smooth and efficient functioning • Ensure proper gold appraisal, loan processing, and disbursement as per company policies
- Monitor cash management, documentation, and audit readiness
- Maintain adherence to regulatory requirements, internal controls, and compliance standards

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3.

Customer

Experience & Relationship Management

- Build strong customer relationships to drive repeat business and referrals
- Ensure high-quality service delivery and resolution of customer queries
- Handle escalations and ensure customer satisfaction levels are consistently high

________________________________________ 4. Team Management & Capability Building

- Lead, train,



and motivate branch staff to achieve performance goals • Conduct regular team meetings to align on targets and performance expectations • Drive a high-performance culture through coaching, mentoring, and feedback
- Manage staffing, onboarding, and performance reviews

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5.

Portfolio

Quality & Risk Management

- Ensure quality of gold loan portfolio with strong focus on risk mitigation
- Monitor overdue accounts, initiate recovery actions, and control NPAs
- Ensure accurate assessment of gold collateral and fraud prevention

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- Financial & Cost Management
- Monitor branch profitability, cost control, and resource allocation • Track key financial metrics including yield, cost-to-income ratio, and operating expenses

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- Reporting & MIS
- Maintain accurate records of branch performance (business, operations,

collections)

- Share periodic reports with regional/zonal leadership
- Track and analyze branch performance vs targets

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Key Skills & Competencies

- Gold Loan Operations & Appraisal
- Sales & Business Development
- Team Leadership & People Management • Customer Relationship Management
- Risk & Compliance Orientation
- Financial Acumen & Analytical Skills
- Solid Local Market Understanding
- Communication & Stakeholder Management Educational Qualification
- Graduate (preferred: Commerce / Finance / Business)
- Certifications in gold appraisal or financial services (preferred)

📌 Branch Manager - Gold Loan - Sales - Vellore - Karthi Complex- (Tamil Nadu)
🏢 Tata Capital
📍 Tamil Nadu