Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Mahesana; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Poonawalla Fincorp in India seeks a seasoned professional to lead field marketing and branch operations for gold loan products. You will verify KYC, initiate disbursals, and manage foreclosures while safeguarding vault custody and compliance. Strong focus on reducing NPAs and driving business growth across multiple channels.

The role requires 5+ years in asset products, with emphasis on customer engagement, reporting, and team coaching to achieve branch targets and expand product offerings.

Qualifications

• 5+ years of Product / Sales experience in Gold loan or other Asset products.
• Experience in branch operations and customer engagement is preferred.
• Candidate should understand KYC and compliance requirements.

Responsibilities

• Drive field marketing activities to improve branch visibility.
• Plan and monitor branch field activities to generate leads and growth.
• Verify customer KYC documents and loan requests.
• Initiate loan disbursals and process foreclosures.
• Manage vault custody and ensure 100% process compliance.
• Maintain NPAs with strong follow-ups for collections.
• Train, coach, and mentor employees and provide feedback.
• Prepare reports and drive branch business growth.
• Increase gold loan business and other third-party products.

Skills

Field marketing

KYC

Loan disbursal

Foreclosure processing

Vault custody

NPA control

Training and mentoring

Reporting

Business development

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.
• Verify application requests.
• Initiate loan disbursals.
• Process foreclosure transactions basis customer requests.
• Process part release transactions basis customer requests.
• Process closure transactions basis customer requests.
• Process interest payment transactions basis customer requests.
• Authorize transactions for disbursal.
• Authorize transactions for foreclosure.
• Authorize release transactions.
• 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
• KYC
• Loan disbursal
• Foreclosure processing
• Vault custody
• NPA control
• Training and mentoring
• Reporting
• Business development

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