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.

1. Educational Qualification

- Graduate in any discipline (preferred).

- Additional qualifications in Finance, Banking or Management will be an advantage.

1. 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.

1. 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.

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