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.*

Current 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 new 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)

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.
- D

📌 Branch Manager (Kutch)
🏢 Aditya Birla Insulators
📍 Kutch