Industry: NBFC - Gold Loan Financial Services Investment

Experience: 5-9 years in NBFC, Gold Loan, Banking, or Financial Services

Education: Graduate Postgraduate

Key Responsibilities

Branch Business & Sales

- Achieve branch-level targets for gold loans, investment products, and other financial products.
- Develop and implement strategies for customer acquisition and business growth.
- Generate new business through local market development, referrals, networking, and field activities.
- Identify opportunities for cross-selling and upselling financial products.
- Monitor daily, weekly, and monthly business performance against targets.
- Develop and maintain strong relationships with key customers and local business networks.

Team Management

- Lead, motivate, and manage the branch sales and operations team.
- Allocate targets and responsibilities to team members.
- Monitor individual employee performance and provide regular guidance and coaching.
- Conduct regular team meetings and review business pipelines.
- Support recruitment, onboarding, and training of branch employees.
- Ensure discipline, productivity, and professional conduct within the branch.

Gold Loan & Portfolio Management

- Oversee the complete gold loan process from customer acquisition to disbursement, renewal, repayment, and closure.
- Ensure proper KYC, documentation, valuation, and verification procedures are followed.
- Monitor the branch loan portfolio and repayment/renewal performance.
- Track overdue accounts and coordinate with the team for timely follow-up and collection.
- Minimize portfolio risk while maintaining healthy business growth.




- Ensure proper handling, custody, and documentation of pledged gold as per company policy.

Customer Relationship Management

- Build and maintain long-term relationships with existing and prospective customers.
- Handle important customer queries and complaints and ensure timely resolution.
- Improve customer retention and generate repeat business.
- Ensure a high standard of customer service at the branch.

Operations & Compliance

- Ensure smooth day-to-day branch operations.
- Maintain accurate records, reports, and documentation.
- Ensure strict adherence to company policies, KYC/AML requirements, internal controls, and applicable regulatory guidelines.
- Coordinate with internal departments such as Credit, Operations, Audit, Collections, and HR.
- Support internal and external audits and ensure timely closure of audit observations.
- Monitor cash handling and branch security procedures in accordance with company policy.

Key Skills

- Strong leadership and team management skills.
- Excellent sales and business development capabilities.
- Positive knowledge of gold loans and NBFC operations.
- Strong customer relationship management skills.
- Good communication and negotiation skills.




- Target-oriented and result-driven approach.
- Strong analytical and problem-solving abilities.
- Knowledge of KYC, documentation, and basic regulatory/compliance requirements.
- Good knowledge of the local market and customer base.
- Ability to manage multiple branch activities efficiently.

Preferred Experience

Candidates with experience in the following sectors will be preferred:

- Gold Loan Gold Finance
- NBFC
- Banking
- Financial Services
- Investment Wealth Products
- Retail Banking
- Branch Sales & Operations

Key Performance Indicators (KPIs)

- Branch business/disbursement target achievement
- Gold loan portfolio growth
- Investment product business
- New customer acquisition
- Customer retention and repeat business
- Portfolio quality and overdue management
- Team productivity and target achievement
- Cross-selling and upselling
- Branch operational efficiency
- Audit and compliance performance

Compensation

Incentives: Performance-based incentives as per company policy.

Ideal Candidate

The ideal candidate should have strong branch management, sales, team leadership, and customer relationship skills, with practical experience in the NBFC/gold loan or banking sector. The candidate should be capable of independently managing branch business, operations, customer relationships, and team performance while maintaining compliance and portfolio quality.

Location - Kayamkulam, Palai, Ettumanoor, Chalakkudy, Kottayam, Poojapura, Kanjirapally, Vaikkom, Ulunderpett (TN), Thane (MH), J B Nagar (MH), Punagannur (AP)

📌 Branch Manager (BM) (Pala)
🏢 SUPRA PACIFIC FINANCIAL SERVICES
📍 Pala