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, current customer acquisition, yield, audit, collections, and risk KPIs while upholding operational governance.

Dimensions

- New Relationship Build strong 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 developing frontline staff for continuous sales and service productivity

Key Result Areas

- 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 cost-efficient branch operations.

- Portfolio Quality Risk Management Maintain auction-to-book 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 follow-up.

Support recovery actions as per internal guidelines.

Disclaimer: This job posting & Location 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.

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