BM-Vizag - Adarsh Nagar

Aditya Birla Capital; Andhra Pradesh; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Aditya Birla Capital seeks an experienced Branch Manager to drive gold loan business at the branch level. You will oversee loan processing, disbursement, renewals and closures, while ensuring strict RBI, KYC, and policy adherence.

Key responsibilities include acquiring and nurturing customers, leading branch staff, and maintaining portfolio health with timely collections and risk management. MBA holders with 5-10 years in gold loans are preferred.

Qualifications

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

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 relationship

Risk & compliance

Communication

Education

Graduate in any discipline

MBA preferred

Job description

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,