JD :

Key Responsibilities
A. Business Development & Sales Management
- Drive branch-level Gold Loan business and achieve monthly disbursement and portfolio growth targets.
- Develop and execute strategies for customer acquisition, lead generation and market penetration.
- Identify business opportunities through local market mapping, customer references and field activities.
- Build relationships with existing and prospective customers to generate repeat business.
- Monitor daily sales performance and ensure achievement of individual and branch-level targets.
- Drive loan renewals, top-ups and customer retention. B. Branch Operations & Management
- Manage the day-to-day functioning of the Gold Loan branch.
- Ensure smooth loan processing, documentation, disbursement and repayment activities.
- Supervise gold appraisal, valuation and loan-to-value (LTV) compliance through authorized appraisers.
- Ensure proper handling, tagging, sealing, custody and storage of pledged gold ornaments.
- Ensure adherence to dual-control procedures and secure gold vault management.
- Monitor daily cash transactions, branch records and operational reports. C. Team Management & Leadership
- Lead, guide and monitor Sales Officers, CCEs and other branch staff.
- Allocate business targets and monitor individual productivity.
- Conduct regular team meetings, field reviews and performance assessments.
- Identify training requirements and improve team productivity.
- Ensure discipline, accountability and effective coordination among branch employees. D. Risk Management & Compliance
- Ensure strict adherence to KYC, AML, RBI guidelines and internal company policies.
- Monitor compliance with gold valuation, LTV and loan disbursement procedures.
- Ensure proper verification of customer identity and ownership-related documentation.
- Prevent fraud, misappropriation,



unauthorized transactions and operational irregularities.
- Conduct regular verification of gold packets, vault records and branch-level security controls.
- Immediately escalate suspicious transactions, discrepancies and audit observations to the appropriate authority. E. Customer Relationship Management
- Maintain strong relationships with customers and ensure high service standards.
- Handle customer grievances, complaints and escalations.
- Ensure transparent communication regarding interest rates, repayment terms, charges and loan closure.
- Drive customer retention, repeat business and referrals. F. Business Monitoring & Reporting
- Review daily, weekly and monthly business performance.
- Monitor branch productivity, disbursement, outstanding portfolio and overdue accounts.
- Submit timely MIS and business reports to the Regional / Area Manager.
- Ensure timely closure of audit observations and operational gaps.
- Monitor branch profitability and operating expenses. 3. Educational Qualification
- Graduate in any discipline (preferred).
- Additional qualifications in Finance, Banking or Management will be an advantage. 4. Experience
- 36 years of experience in Gold Loan / NBFC / Banking operations.
- Prior experience in handling a Gold Loan branch or managing a sales and operations team is preferred.
- Knowledge of gold valuation, loan processing, branch operations and compliance is essential. 5. Required Skills
- Strong leadership and team management skills.
- Business development and sales execution.
- Knowledge of Gold Loan products, LTV and valuation processes.
- Branch operations and risk management.
- Customer relationship management.
- Analytical skills and MIS reporting.
- Problem-solving and decision-making ability.
- Robust communication and interpersonal skills. Kindly mail Us at [email protected] . Only Gold Loan Experience can mail only .

📌 Branch Manager (Delhi)
🏢 DJT Gold Loan
📍 Delhi