Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Parbhani; On-site; INR 600,000 - 900,000; Full time

Job summary

Poonawalla Fincorp in Parbhani, Maharashtra seeks a Branch Sales Manager with 5+ years in gold loan or asset product sales to drive growth.

You will lead field marketing, engage customers, verify KYC, and ensure compliance while mentoring branch staff and maintaining strong pipeline and branch performance.

Qualifications

• 5+ years of product/sales experience in gold loan or asset products.
• Strong field marketing and lead generation abilities.

Responsibilities

• Drive field marketing to improve branch visibility.
• Plan and monitor branch-level marketing to ensure healthy lead pipeline.
• Engage customers and appraise gold ornaments for weight and purity.
• Joint custodian of the vault; safekeeping of pledge ornaments.
• Verify KYC documents, process loan disbursals, foreclosures, and payments.
• Process foreclosure, part release, closure, and interest transactions.
• Authorize transactions for disbursal, foreclosure, release and payments.
• Maintain low NPAs through proactive follow-ups with customers.
• Hire, coach, mentor and train branch staff; provide feedback.
• Ensure branch quality, performance, and compliance; drive growth.

Skills

Field marketing

Lead generation

Customer engagement

Gold ornament valuation

KYC compliance

Loan disbursal

NPA management

Team leadership and training

Branch 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

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

Skills

• Field marketing
• Lead generation
• Customer engagement
• Gold ornament valuation
• KYC compliance
• Loan disbursal
• NPA management
• Team leadership and training
• Branch process compliance