Core Responsibilities

- Portfolio Growth &
- Sales:

Driving disbursement targets for both Gold Loans and LAP across all branches in the assigned territory.

- Branch Operations &

- Compliance:

Monitoring daily branch activities to ensure strict adherence to RBI guidelines, KYC norms, and internal audit policies.

- Risk &

- Asset Quality Management:

Implementing stringent valuation processes for gold and legal/technical evaluations for property to prevent frauds and bad loans.

- Collections &

- NPA Management:

Leading recovery efforts and managing early delinquency (30-60-90 days past due) to keep the Non-Performing Asset (NPA) levels at a minimum.

- Team Leadership: Recruiting, training, and mentoring Branch Managers (BMs), Relationship Officers, and Gold Appraisers.

Key Skills Required

- Dual-Product Expertise: Understanding the fast-paced, retail nature of Gold Loans alongside the complex,



long-cycle credit underwriting required for LAP.

- Risk Awareness: Ability to identify structural credit risks in property documents and spot spurious gold or valuation frauds.

- Local Market Knowledge: Deep understanding of the local geography, competitor dynamics, and regional customer demographics.

- Data Analytics: Proficiency in tracking daily branch dashboards, portfolio concentration metrics, and collection efficiency trends.

- Need to manage Multiple location Branches. At least 8-10 branches handled experiences need.

Interested Candidates please WhatsApp your CV: (phone hidden)

Pay: From ₹60,000.00 per month

Advantages

- Cell phone reimbursement

- Paid time off

- Provident Fund

Work Location: In person

📌 Area Manager- Gold and LAP (Coimbatore)
🏢 Dhanam Investment And Finance Private
📍 Coimbatore