Basic Details Fill the required information about business unit location position reports to position and date of updation of JD Business Financial Services Unit Aditya Birla Capital Limited Location Across branches in India 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 governance 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 New 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 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 Organization Context Aditya Birla Capital Limited NBFC is registered with RBI as a Systematically Key NonDeposit accepting NonBanking Finance Company NBFC ABCL is one of the top private diversified NBFCs in India As of 31Sep25 ABCL has a panIndia presence with a lending book of approx Rs 139 500 Crores ABCL offers endtoend lending solutions to a diverse set of customers Retail HNI MSMEs and Mid Large Corporates through secured as well as unsecured loan products The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans Unsecured Personal Loans Unsecured Business Loans Health Education Loans Digital B2B2C and B2B2B Small Ticket Loans Small Business Secured Loans Loans Against Property LAP Lease Rental Discounting LRD Construction Finance to Real Estate Developers SME Loans Capital Markets Loans Loan Against Shares Supply Chain Finance Mid and Large Corporate Loans and Infrastructure Finance loans ABCL also has a Wealth Management division ABCL is rated AAA by India Ratings ICRA and CARE reaffirmed in 2020 ABCL secured the ABG Business Excellence Award in 2017 Silver and 2015 Bronze and multiple other Awards on forums like CII Business Context Gold Loans is a key secured lending product with high volume rapid turnaround expectations and requires strict discipline in risk valuation purity testing and customer trust management 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 highimpact team and ensuring branchlevel 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 auctiontobook ratio Driving collection resolutions for 030 DPD while preventing slippages Ensuring branch audit scores 90 with zero tolerance deviations Delivering consistent customer experience in highsensitivity product category emotional asset Motivating and developing frontline staff for continuous sales and service productivity Key Result Areas Write the key results expected from the job and the supporting actions for each of these key result areas For most jobs typically there could be 4 7 key result areas Maximum 10 KRAs can be updated Key Result Areas Max 1325 Characters Supporting Actions Max 1325 Characters 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 costefficient branch

📌 Branch Manager Retail Gold Bettiah Bihar (Patna)
🏢 Aditya Birla Capital
📍 Patna