Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Dharashiv; On-site; INR 600,000 - 850,000; Full time

Job summary

Poonawalla Fincorp invites an experienced professional to drive field marketing and grow the gold loan business at the branch level. You will engage customers, verify KYC, initiate disbursals, and supervise valuation and compliance processes to ensure smooth operations.

The role also involves safeguarding pledged ornaments, mentoring staff, preventing NPAs through proactive follow-ups, and coordinating with the team to enhance branch performance and growth.

Qualifications

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

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.

Skills

Gold loan sales experience

Job description

Principal Accountabilities

• 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