Core Roles &
Responsibilities
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 protected 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
Perks
Cell phone reimbursement
Health insurance
Life insurance
Provident Fund