A Senior Area Manager in the Gold Loan business is responsible for managing multiple branches within a region, driving business growth, ensuring operational excellence, and leading branch teams.

Key Responsibilities
• Manage and supervise the performance of multiple gold loan branches within the assigned area.
• Achieve regional business targets for gold loan disbursements, portfolio growth, and profitability.
• Develop and implement sales strategies to increase customer acquisition and market share.
• Monitor branch productivity, daily disbursements, renewals, and loan closures.
• Recruit, train, mentor, and evaluate Branch Managers and sales teams.
• Ensure adherence to company policies, RBI guidelines, KYC, AML, and regulatory compliance.
• Oversee gold appraisal quality and ensure accurate valuation of pledged gold.
• Monitor loan-to-value (LTV) ratios and maintain portfolio quality.
• Review overdue accounts and implement effective collection and recovery strategies to minimize NPAs.
• Conduct regular branch audits to ensure operational efficiency and risk control.
• Maintain high standards of customer service and resolve escalated customer grievances.
• Analyze MIS reports, business trends,



and branch performance to identify improvement opportunities.
• Coordinate with Operations, Credit, Risk, HR, and Compliance teams for smooth business functioning.
• Monitor competitor activities, local market trends, and customer needs to develop business opportunities.
• Ensure branch security, safe custody of pledged gold, and adherence to security protocols.
• Drive cross-selling of insurance, savings products, or other financial products (where applicable).
• Prepare periodic business reviews and present performance updates to senior management.
• Build relationships with local business communities and key stakeholders to generate business leads. Key Skills Required
• Solid leadership and team management
• Sales and business development
• Gold loan operations and appraisal knowledge
• Collection and portfolio management
• Risk assessment and regulatory compliance
• Customer relationship management
• MIS reporting and analytical skills
• Problem-solving and decision-making
• Communication and negotiation skills
• Ability to travel extensively across the assigned region

📌 Senior Area Manager (Thane)
🏢 SkillLabs
📍 Thane