Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Muzaffarnagar; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Poonawalla Fincorp in Muzaffarnagar, Uttar Pradesh, is seeking an experienced Branch Marketing Lead to drive field marketing activities, plan branch-level campaigns, and build a healthy pipeline of gold loan leads to fuel growth.

You will engage customers, verify KYC documents, oversee loan disbursals, manage vault processes, ensure policy compliance, and coach branch staff to improve performance and business results.

Qualifications

• 5+ years of product/sales experience in gold loan or asset products.
• Experience in field marketing and branch growth initiatives.
• Strong understanding of KYC procedures and compliance.

Responsibilities

• Drive and participate in field marketing activities to improve branch visibility.
• Plan, conduct and monitor branch and field marketing activities to generate leads.
• Engage customers and assess gold ornament weight and purity per policy.
• Joint custodian of vault and safekeeping of pledge ornaments.
• Verify KYC documents and initiate loan disbursals.
• Process foreclosure, part release and related transactions.
• Authorize disbursal, foreclosure, release and customer payments.
• Maintain NPAs control through follow ups on interest collections.
• Coach and train employees, provide timely performance feedback.
• Ensure branch quality, prepare reports, drive branch growth.

Skills

field marketing

customer engagement

KYC documents

loan disbursals

process compliance

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 & Experience

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

Key Skills

• field marketing activities
• customer engagement
• KYC documents
• loan disbursals
• foreclosure
• NPAs control
• valuation & appraisal
• coaching, mentoring and training employees
• process compliance