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 rapid-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

Benefits

- Cell phone reimbursement
- Paid time off
- Provident Fund

Work Location: In person

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