Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Pen; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Poonawalla Fincorp is seeking a results-driven professional to lead field marketing and branch-based sales initiatives. You will engage customers, assess gold ornament pledges, and ensure compliance while driving loan disbursals and revenue growth.

The role emphasizes team leadership, coaching, and accurate valuation, with a focus on reducing NPAs through proactive credit follow-ups and cross-selling of third-party products.

Qualifications

• 5+ years of product/sales experience in gold loan or asset products.
• Experience in branch field marketing and customer engagement.

Responsibilities

• Drive field marketing activities to improve branch visibility.
• Plan and monitor branch field marketing to generate a healthy lead pipeline.
• Assess gold ornament weight and purity for pledges per policy.
• Co-manage vault custody and safekeeping of pledged ornaments.
• Verify KYC documents, process loan disbursals, and handle repayments.
• Authorize disbursals, foreclosures, releases, and customer payments.
• Maintain NPAs through proactive collections and follow-ups.
• Mentor and train branch staff and provide performance feedback.
• Prepare branch business reports and drive growth initiatives.
• Increase gold loan business and cross-sell third-party products.
• Ensure 100% process compliance in valuation and audits.

Skills

Product / Sales experience

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