06 Sep
|
Aditya Birla Capital
|
India
06 Sep
Aditya Birla Capital
India
Copilot Said
Job Description – Branch Manager (Gold Loans)
Job Title: Branch Manager – Gold Loans
Department: Gold Loans
Reporting To: Area Head / Regional Manager – Gold Loans
Location: As Assigned
Job Purpose
The Branch Manager is responsible for managing the overall branch operations and driving business growth in the Gold Loan business. The role involves achieving business targets, ensuring operational excellence, maintaining portfolio quality, delivering superior customer service, and ensuring adherence to regulatory and company policies. The Branch Manager will lead and supervise the branch team, including Manager Valuation and Officer Valuation.
Key ResponsibilitiesBusiness Development & Revenue Growth
Achieve branch-level Gold Loan business targets and profitability objectives.
Drive customer acquisition, retention, and portfolio growth.
Develop local marketing initiatives and business generation activities.
Build solid relationships with customers, referral partners, and local influencers.
Ensure cross-selling of company products and services.
Branch Operations Management
Oversee day-to-day branch operations and ensure smooth functioning.
Monitor loan processing, disbursement, renewals, and closures.
Ensure branch productivity and operational efficiency.
Maintain branch infrastructure, security, and asset management.
Credit & Risk Management
Ensure proper appraisal and valuation of pledged gold.
Monitor portfolio quality and delinquency levels.
Initiate recovery actions and control overdue accounts.
Ensure adherence to risk management and fraud prevention guidelines.
Team Management
Lead, guide, and motivate branch employees to achieve business objectives.
Supervise Manager Valuation and Officer Valuation teams.
Conduct regular performance reviews and coaching sessions.
Identify training and development needs of branch staff.
Compliance & Governance
Ensure strict adherence to company policies, RBI guidelines, and regulatory requirements.
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📌 BM - Gold Loan - Hyd 3 (India)
🏢 Aditya Birla Capital
📍 India