Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Jetpur; On-site; INR 300,000 - 540,000; Full time

Job summary

Poonawalla Fincorp in India is seeking an experienced professional for a Branch role focused on gold loan sales and asset products. You will drive field marketing, ensure healthy lead pipelines, and balance customer engagement with strict policy compliance.

The role involves valuing pledged ornaments, securing vault integrity, and coordinating with customers for disbursal and repayments. You will mentor staff, monitor NPAs, and contribute to branch growth through cross-selling and operational

Qualifications

• 5+ years of product/sales experience in gold loan or asset products.
• Experience in branch marketing and customer engagement to grow pipeline and conversion.
• Knowledge of KYC/audit compliance and processing.
• Ability to plan, monitor and mentor branch staff for growth and performance.

Responsibilities

• Drive field marketing activities to improve branch visibility.
• Plan and monitor branch and field level marketing for healthy lead pipeline.
• Appraise gold ornaments with correct weight and purity per policy.
• Joint custodian of vault for safekeeping of pledged ornaments.
• Verify customer KYC, initiate loan disbursals and process foreclosures/closures.
• Authorize disbursals, foreclosures, releases, and customer payments.
• Maintain NPAs through strong follow-ups for interest collections.
• Plan for smooth branch functioning and team cohesiveness.
• Hire, coach, mentor and train employees with timely performance feedback.
• Maintain quality and performance, prepare reports for growth.
• Increase gold loan business and cross-sell third-party products.
• Ensure correct valuation and 100% process compliance at branch.
• Manage error-free valuation and appraisal of pledged ornaments.

Skills

Gold loan sales

Branch sales

Customer engagement

KYC compliance

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

Disclaimer: This job posting and Location 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.