Assistant Branch Manager - Gold Loan

Poonawalla Fincorp Limited; Mughal Sarai; On-site; INR 420,000 - 660,000; Full time

Job summary

Poonawalla Fincorp Limited is seeking a branch-focused sales professional in Uttar Pradesh to drive field marketing activities, engage customers and ensure proper valuation of pledged gold. You will verify KYC, process loan disbursals, and safeguard assets through vault custody.

The role emphasizes strong planning, risk control of NPAs, coaching of staff, and expanding gold loan plus third-party product offerings within a busy branch environment.

Qualifications

• 5+ years of product/sales experience in gold loan or asset products.

Responsibilities

• Drive and participate in field marketing activities to improve branch visibility.
• Plan, conduct and monitor branch and field marketing activities to ensure a healthy pipeline of leads for business conversion.
• Engage customers and appraise pledged gold with correct weight and purity as per policy.
• Joint custodian of the vault for safekeeping pledged ornaments.
• Verify KYC documents, process application requests and initiate loan disbursals.
• Process foreclosure, part release, closure and interest payment transactions on customer requests.
• Authorize transactions for disbursal, foreclosure, release and accept customer payments.
• Maintain NPAs through proactive 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 and drive branch growth.
• Increase gold loan business and promote third-party products.
• Ensure 100% process compliance and accurate valuation of pledged gold.
• Manage valuation and appraisal of gold ornaments with correct weight and purity as per policy.

Skills

Gold loan sales

Asset products

Field marketing

Customer engagement

KYC verification

Team coaching

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