Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Rayagada; On-site; INR 400,000 - 650,000; Full time

Job summary

Poonawalla Fincorp in Rayagada, Odisha region seeks a Branch Sales/Marketing Lead to drive field marketing, build a healthy leads pipeline, and engage customers with accurate gold-ornament appraisal.

You will manage vault custody, verify KYC, process disbursals, and oversee payments while coaching staff and ensuring compliance. Growth through gold loans and third-party products is expected.

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 and monitor branch and field marketing to create a healthy leads pipeline for conversions.
• Engage customers and appraise pledged gold with correct weight and purity.
• Joint custodian of the Vault for safekeeping of pledged ornaments.
• Verify KYC documents, process loan disbursals.
• Process foreclosure, part release, closure and interest payments.
• Authorize disbursal, foreclosure, release and accept payments.
• Keep NPAs under control through follow-ups on interest collections.
• Hire, coach, mentor and train employees and provide feedback.
• Maintain quality and performance, prepare reports for branch growth.
• Increase gold loan business and other third-party products.
• Ensure 100% process compliance at branch.
• Accurate valuation and appraisal of pledged gold.

Skills

Field marketing

Customer engagement

KYC verification

Loan disbursal

Vault custody

Auditory compliance

Team coaching

Branch operations

Revenue growth

Gold loan appraisal

Job description

Job Description

Principal Accountabilities

• 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