BM-Dhone

Aditya Birla Capital Ltd.; Andhra Pradesh; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Capital Ltd. invites applications for a branch leadership role in Gold Loans. The position focuses on driving disbursements, meeting revenue targets, and expanding the customer base while maintaining strong compliance with RBI guidelines and KYC norms.

You will oversee end-to-end branch operations, staff training, portfolio management, and service quality, ensuring secure vault controls and risk management. Prior experience in gold loans is essential.

Qualifications

• Graduate in any discipline; MBA preferred.
• 5–10 years of Gold Loans experience.

Responsibilities

• Drive branch business by achieving gold loan disbursement and revenue targets.
• Acquire new customers and maintain relationships with existing customers.
• Manage branch operations including loan processing, disbursement, renewals and closures.
• Ensure accurate gold appraisal and valuation per company policies.
• Monitor portfolio quality, collections, overdue accounts and NPAs.
• Ensure RBI guidelines, internal policies, audit and KYC compliance.
• Lead, train and monitor branch staff to improve productivity and service quality.
• Handle customer grievances and deliver excellent customer service.
• Maintain branch security, vault management and operational controls.

Skills

Sales & BD

Team leadership

Gold loan ops

Customer relations

Risk & compliance

Communication

Education

Graduate in any discipline

MBA preferred

Job description

• Drive branch business by achieving gold loan disbursement and revenue targets.
• Acquire new customers and maintain relationships with existing customers.
• Manage overall branch operations, including loan processing, disbursement, renewals, and closures.
• Ensure accurate gold appraisal and valuation as per company policies.
• Monitor portfolio quality, collections, overdue accounts, and NPAs.
• Ensure compliance with RBI guidelines, internal policies, audit, and KYC requirements.
• Lead, train, and monitor branch staff to improve productivity and service quality.
• Handle customer grievances and deliver excellent customer service.
• Maintain branch security, vault management, and operational controls.
  

Key Responsibilities

• Drive branch business by achieving gold loan disbursement and revenue targets.
• Acquire new customers and maintain relationships with existing customers.
• Manage overall branch operations, including loan processing, disbursement, renewals, and closures.
• Ensure accurate gold appraisal and valuation as per company policies.
• Monitor portfolio quality, collections, overdue accounts, and NPAs.
• Ensure compliance with RBI guidelines, internal policies, audit, and KYC requirements.
• Lead, train, and monitor branch staff to improve productivity and service quality.
• Handle customer grievances and deliver excellent customer service.
• Maintain branch security, vault management, and operational controls.
  

Required Skills

• Sales and business development
• Team leadership
• Gold loan operations and branch management
• Customer relationship management
• Risk and compliance management
• Communication and problem-solving skills
  

Eligibility

• Graduate in any discipline (MBA preferred).
• Typically 5–10 years of experience in Gold Loans,