Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Ambala; On-site; INR 600,000 - 800,000; Full time

Job summary

Poonawalla Fincorp is seeking a branch-focused sales professional with strong field marketing experience in gold loan or asset products. The role emphasizes customer engagement, KYC compliance, and accurate valuation of pledged ornaments. You will manage loan disbursals, foreclosures, and collections while coaching a team for branch growth.

The position involves vault custody duties, ensuring policy compliance and maintaining robust NPAs control to drive business at the branch level.

Qualifications

• 5+ years of Product / Sales experience in Gold loan or other Asset products.

Responsibilities

• Drive field marketing activities with the team to improve branch visibility.
• Plan and monitor branch field level marketing to ensure a healthy pipeline of leads and business conversion.
• Engage customers and assess gold ornament weight and purity per policy and audit requirements.
• Act as joint custodian of the Vault for safekeeping pledged ornaments.
• Verify KYC documents and process loan disbursals.
• Process foreclosure, partial releases, closures, and interest payments.
• Authorize disbursals, foreclosures, releases and customer payments.
• Help keep NPAs under control through follow-ups for collections.
• Plan effectively to ensure smooth branch operations and team cohesion.
• Hire, coach, mentor and train employees with timely feedback.
• Maintain quality performance and generate branch growth reports.

Skills

Field marketing

Lead pipeline management

Customer engagement

KYC compliance

Gold ornament valuation appraisal

Loan disbursal processing

Foreclosure processing

NPAs management / collections

Hiring, coaching, mentoring and培训

Job description

Responsibilities

• Drive participate in field marketing activities with the team to improve branch visibility.
• Plan, conduct monitor the branch field level marketing activities to ensure healthy pipeline of leads resulting in business conversion branch growth.
• Focus on customer engagement appraisal of gold ornaments being pledged with correct weight purity assessment as per company policy and auditory compliance.
• Joint custodian of the Vault with responsibility of safekeeping of pledge ornaments as per company policy.
• Verify customer KYC documents, application requests and initiate loan disbursals.
• Process foreclosure, part release, closure, interest payment transactions basis customer requests.
• Authorize transactions for disbursal, foreclosure, release and accept customer payments.
• Responsible for keeping NPAs in control through strong follow ups from the customers for interest collections.
• Good planning abilities are required for smooth functioning of the branch for developing cohesiveness within the company and co-workers.
• Hiring, coaching, mentoring and training employees and providing them with timely feedback on their performance.
• Maintaining quality performance of the business, preparing various reports of the same and take necessary actions for growth of business in branch.
• Increase gold loan business plus various other third-party products.
• Responsible for correct valuation maintenance of 100% process compliance at branch.
• Manage error free valuation appraisal of gold ornaments being pledged in branch with correct weight purity assessment as per company policy and auditory compliance.

Qualifications

• 5+ years of Product / Sales experience in Gold loan or other Asset products

Skills

• Field marketing
• Lead pipeline management
• Customer engagement
• KYC compliance
• Gold ornament valuation appraisal
• Loan disbursal processing
• Foreclosure processing
• NPAs management / collections
• Hiring, coaching, mentoring and training