Job Summary

The Branch Manager - Gold Loans is responsible for driving branch-level 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 governance.
Dimensions
- New Relationship
Build robust relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.
- Managing Existing Relationship
Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management
- Structuring new Transactions
Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions
- Compliance of regulatory guidelines
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
Job Context

The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational governance. The role balances growth, yield optimization, and compliance while managing a small but high-impact team and ensuring branch-level 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 auction-to-book 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 high-sensitivity product category (emotional asset).
- Motivating and d

📌 Branch Manager-Gold Loan-Gonda (Gorakhpur)
🏢 Aditya Birla Insulators
📍 Gorakhpur