Basic Details
Business: Financial Services
Unit: Aditya Birla Capital Limited
Location: Across branches in India

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 solid 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 recent 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 & Major Challenges

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.

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 Challenges
Achieving aggressive customer acquisition.

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 Melaghar Guwahati
🏢 Aditya Birla Insulators
📍 Guwahati