- Sales & Portfolio Growth:
- Lead the branch team to meet monthly, quarterly, and annual gold loan disbursement targets.
- Plan local marketing, canopy activities, and customer outreach to acquire Current-To-Bank (NTB) customers.
- Grow the total branch tonnage (weight of gold pledged) and improve interest yield.
- Asset Valuation & Risk Control:
- Oversee the gold appraisal process to ensure zero acceptance of spurious, low-karat, or fake gold ornaments.
- Maintain strict adherence to the Loan-to-Value (LTV) caps prescribed by the RBI and internal policies.
- Enforce dual-control vault protocols for safe storage, daily verification, and physical auditing of pledged gold.
- Collections & NPA Management:
- Track monthly interest collections and ensure regular payment cycles from borrowers.
- Manage delinquent accounts and coordinate recovery efforts to keep Non-Performing Assets (NPAs) at a minimum.
- Initiate and oversee the auction process for long-overdue accounts following legal and regulatory steps.
- Operations & Compliance:
- Supervise day-to-day branch administrative operations and customer service delivery.
- Ensure 100% compliance with Know Your Customer (KYC) norms, Anti-Money Laundering (AML) standards, and RBI guidelines.
- Maintain readiness for sudden internal and external audits, resolving discrepancies immediately.
- Team Leadership:
- Manage, train, and review the performance of Gold Valuers, Sales Officers, and Customer Service Executives.
- Foster a high-performance culture while ensuring absolute integrity and zero tolerance for internal fraud.
Pay: ₹400,000.00 - ₹600,000.00 per year
Benefits:
- Cell phone reimbursement
- Health insurance
- Life insurance
- Provident Fund