Job Summary

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.

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 current 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 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

- 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.

Organization Context

Aditya Birla Capital Limited ("NBFC") is registered with RBI as a Systematically Important NonDeposit accepting NonBanking Fice Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31Sep 25, ABCL has a panIndia presence with a lending book of approx. 500 Crores.

Business Context

Gold Loans is a key secured lending product with high volume, fast 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 goverce. The role balances growth, yield optimization, and compliance while managing a small but high impact team and ensuring branchlevel risk controls

Key Challenges

Disclaimer: This job posting 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 (Hubballi)
🏢 Aditya Birla Insulators
📍 Hubballi