Description
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.

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 recent business opportunities within the catchment area

2. Branch Operations Management

• Oversee daily branch operations ensuring smooth and effective 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

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

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

6. Financial & Cost Management

• Monitor branch profitability, cost contr

📌 Branch Manager (Thane)
🏢 Tata Capital
📍 Thane