1. Gold Loan Portfolio ManagementBecause gold loans are high-yield but carry operational risks, the focus is on volume growth and collateral security.

- Portfolio Growth: Achieving monthly, quarterly, and annual targets for the total gold loan book value.
- New Customer Acquisition: Increasing the walk-in count and converting existing account holders into gold loan borrowers.
- Risk & Collateral Management: Ensuring 100% accuracy in gold purity verification and weight checks to eliminate fraud.
- LTV (Loan-to-Value) Monitoring: Tracking market gold prices daily to ensure loan exposures remain within regulatory limits.
- Renewal & Recovery: Ensuring timely interest collection and reducing Non-Performing Assets (NPAs) through proactive reminders and auction processes for def
- 2. Fixed Deposit (FD) & CASA GrowthFixed deposits are crucial for maintaining the branch's cost-effective liability base and liquidity.
- Deposit Volume Targets:



Meeting specific targets for fresh Fixed Deposit generation and overall deposit value.
- Retention Rate: Ensuring high maturity-renewal rates and minimizing premature withdrawals.
- High Net Worth (HNI) Sourcing: Actively pitching bulk deposits to institutional clients, trusts, and wealthy individuals.
- Cross-Selling: Leveraging existing gold loan or savings customers to open recent FD accounts.

3. Compliance, Audit & Operations

- KYC & AML Compliance: Ensuring flawless documentation for both high-value FDs and gold loan disbursements.
- Vault Security: Maintaining strict dual-custody protocols for the physical gold stored in the strongroom.

Pay: ₹26,000.00 - ₹40,000.00 per month

Benefits:

- Provident Fund

Work Location: In person

📌 Branch Manager - Irinjalakkuda (Irinjalakuda)
🏢 MALANKARA MULTI STATE COOPERATIVE CREDIT SOCIETY
📍 Irinjalakuda