Assistant Branch Manager

IHFL; Chennai District; On-site; INR 500,000 - 700,000; Full time

Job summary

IHFL is seeking a candidate for a role focused on gold valuation, loan processing, and branch operations. The position requires expertise in gold appraisal, purity testing, and detecting counterfeit ornaments, with an emphasis on compliance and governance.

The role also involves supporting business growth, branch service delivery, and risk management, ensuring accurate MIS, reporting, and leadership within the team.

Qualifications

• Strong knowledge of gold valuation and appraisal techniques, purity testing, weight assessment, deductions, and net gold calculation.
• Ability to identify counterfeit, plated, adulterated, hollow, solder-heavy, and suspicious gold ornaments.
• Experience in independent appraisal, dual appraisal, maker-checker controls, discrepancy resolution, and exception escalation.

Responsibilities

• Gold Valuation & Appraisal
• Gold Loan Processing & Documentation
• Gold Custody & Vault Management
• Business Growth & Sales Support
• Branch Operations & Service Delivery
• Portfolio Quality, Collections & Risk Management
• Compliance, Audit & Governance
• Customer Service & Branch Administration
• MIS and Reporting
• People Leadership & Productivity

Skills

Gold valuation

Counterfeit detection

Purity testing

KYC/AML compliance

Sales & branch productivity

Job description

Role & responsibilities

• Gold Valuation & Appraisal
• Gold Loan Processing & Documentation
• Gold Custody & Vault Management
• Business Growth & Sales Support
• Branch Operations & Service Delivery
• Portfolio Quality, Collections & Risk Management
• Compliance, Audit & Governance
• Customer Service & Branch Administration
• MIS and Reporting
• People Leadership & Productivity

Preferred candidate profile

• Strong knowledge of gold valuation and appraisal techniques, purity testing, weight assessment, deductions, and net gold calculation.
• Ability to identify counterfeit, plated, adulterated, hollow, solder-heavy, and suspicious gold ornaments.
• Experience in independent appraisal, dual appraisal, maker-checker controls, discrepancy resolution, and exception escalation.
• Strong understanding of Gold Loan products, branch operations, and customer acquisition practices.
• Understanding of KYC, AML, fraud prevention, audit, compliance, and regulatory requirements.
• Sales execution, branch productivity, and collection management capabilities.