Branch Manager GL

Job Summary

The Branch Manager Gold Loans is responsible for driving branchlevel business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational goverce.

Dimensions

New Relationship

Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.

Managing Existing Relationship

Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management

Structuring new Transactions

Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions

Compliance of regulatory guidelines

Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.

Portfolio monitoring

Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric

Job Context

Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and customer trust management.

The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational goverce. The role balances growth, yield optimization, and compliance while managing a small but high impact team and ensuring branchlevel risk controls.

Key Challenges

• Achieving aggressive customer acquisition, disbursement and tonnage growth in competitive local markets.
• Maintaining strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.
• Ensuring timely closure of spurious/bentex cases and minimizing auctiontobook ratio.
• Driving collection resolutions for 030 DPD while preventing slippages.
• Ensuring branch audit scores >90% with zero tolerance deviations.
• Delivering consistent customer experience in highsensitivity product category (emotional asset).
• Motivating and developing frontline staff for continuous sales and service productivity

Key Result Areas

Supporting Actions

Business Growth Acquisition

• Achieve targets for new CUID creation.
• Drive new customer disbursements as per percentile role benchmarks.
• Ensure net growth and tonnage growth in line with branch plan.

Yield Profitability Management

• Achieve onboarding yield benchmarks
• Drive optimal ticket size, renewal mix, and repeat customer engagement.
• Ensure costefficient branch operations.

Portfolio Quality Risk Management

• Maintain auctiontobook ratio
• Ensure strict adherence to LTV, documentation quality, and purity testing protocols.
• Resolve spurious and bentex cases within defined timelines

Collections Delinquency Management

• Deliver resolution for 030 DPD bucket.
• Monitor overdue accounts and perform timely followup.
• Support recovery actions as per internal guidelines.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.