Assistant Branch Manager - Gold Loan

Poonawalla Fincorp; Uppal; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Poonawalla Fincorp is seeking a Branch Sales Manager to drive field marketing activities and improve branch visibility in the local market. You will oversee customer engagement, appraisal of pledged gold, and safety of the vault, while coordinating KYC checks and loan disbursals.

You will lead a team, manage foreclosures and interest collections, and work to achieve branch growth through effective reporting and cross-selling of third-party products.

Qualifications

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

Responsibilities

• Drive field marketing activities to boost branch visibility.
• Plan and monitor branch and field-level marketing for healthy leads and business growth.
• Engage customers and appraise gold ornaments with correct weight and purity as per policy.
• Joint custodian of the vault with safekeeping of pledged ornaments.
• Verify KYC, process loan disbursals, and handle foreclosure and related transactions.
• Authorize disbursals, foreclosures, releases, and customer payments.
• Manage NPAs through proactive follow-ups on interest collections.
• Plan for branch operations and foster team cohesiveness and growth.

Skills

Gold loan sales

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

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