Assistant Branch Manager - Gold Loan

Poonawalla Fincorp Limited; Manuguru; On-site; INR 600,000 - 840,000; Full time

Job summary

Poonawalla Fincorp Limited in Telangana seeks an experienced Branch Marketing & Sales professional to drive field activities, manage gold loan portfolios, and ensure compliance. You will lead customer engagement, KYC checks, and orderly loan disbursals while guiding the team to achieve growth and accurate collateral valuation.

Role emphasizes strategic field activities, team mentoring, and strict adherence to policy, with a focus on branch performance and customer trust.

Qualifications

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

Responsibilities

• Drive and participate in field marketing to improve branch visibility.
• Plan, conduct and monitor branch and field marketing to build leads and growth.
• Engage customers and appraise pledged gold with correct weight and purity.
• Joint custodian of the Vault for safekeeping pledged ornaments.
• Verify KYC documents and initiate loan disbursals.
• Process foreclosure, part release, closure, and interest payments.
• Authorize disbursal, foreclosure, release and customer payments.
• Keep NPAs in control through follow-ups for interest collections.
• Plan effectively for smooth branch functioning and team cohesiveness.
• Hire, coach, mentor and train employees with timely feedback.
• Maintain quality and performance, prepare reports for growth.
• Increase gold loan business and other third-party products.
• Ensure correct valuation and 100% process compliance at branch.
• Ensure error-free valuation and appraisal of pledged gold.

Skills

Gold loan sales

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