Assistant Branch Manager - Gold Loan

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

Job summary

Poonawalla Fincorp in Gujarat seeks an experienced sales/field marketing professional to enhance branch visibility and drive a healthy pipeline of gold loan leads. You will verify KYC, process disbursals, and manage NPAs while ensuring policy compliance.

The role includes coaching staff, accurate gold ornament valuation, and expanding gold loan business with third-party products. Strong communication, governance, and a customer-first approach are essential to sustain growth and trust at the

Qualifications

• Minimum 5+ years of product or sales experience in gold loan or asset products.
• Experience in branch field marketing and customer engagement.
• Strong knowledge of KYC documentation and policy compliance.

Responsibilities

• Drive field marketing activities to improve branch visibility.
• Plan and monitor branch and field marketing to build a healthy lead pipeline.
• Engage customers and appraise gold with correct weight and purity per policy.
• Act as joint custodian of the vault and safeguard pledged ornaments.
• Verify KYC docs, process loan disbursals, and handle foreclosures/closures.
• Authorize transactions related to disbursal, foreclosure, release and payments.
• Maintain NPAs control through follow-ups on interest collections.
• Hire, coach, mentor and train branch staff with timely feedback.
• Ensure 100% process compliance and quality of business reports.
• Increase gold loan business and cross-sell third-party products.

Skills

field marketing

customer engagement

KYC documentation

loan disbursal

foreclosure processing

NPAs management

weight & purity assessment

gold loan appraisal

process compliance

Education

5+ years of Product / Sales experience in Gold loan or asset products

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
• customer engagement
• KYC documentation
• loan disbursal
• foreclosure processing
• NPAs management
• weight & purity assessment
• gold loan appraisal
• process compliance