Branch Manager

Aditya Birla Group; India; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Birla Carbon in Ahmedabad is seeking a Branch Manager for Gold Loans to drive performance and ensure compliance. In this role, you will lead a team to achieve customer acquisition targets and uphold operational governance.

Key responsibilities include maintaining regulatory compliance, managing relationships, and motivating staff to deliver excellent customer experiences in a competitive market.

Qualifications

• Strong leadership skills to manage branch staff.
• Ability to build relationships with customers and community influencers.
• Knowledge of regulatory compliance related to gold loans.

Responsibilities

• Drive branch customer acquisition and disbursement.
• Ensure compliance with RBI norms and internal policies.
• Motivate and develop frontline staff.

Skills

Customer acquisition

Gold valuation

Risk management

Relationship building

Job description

Branch Manager

1) Job Purpose

The Branch Manager – Gold Loans is responsible for driving branch-level business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational governance.

New Relationship

Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.

Managing Existing Relationship

Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management.

Structuring new Transactions

Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions.

Compliance of regulatory guidelines

Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.

Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric.

Job Context & Major Challenges

Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and customer trust management.

Responsibilities

• Achieving aggressive customer acquisition, disbursement and tonnage growth in competitive local markets.
• Maintaining strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.
• Ensuring timely closure of spurious/bentex cases and minimizing auction-to-book ratio.
• Driving collection resolutions for 0–30 DPD while preventing slippages.
• Ensuring branch audit scores >90% with zero tolerance deviations.
• Delivering consistent customer experience in high-sensitivity product category (emotional asset).
• Motivating and developing frontline staff for continuous sales and service productivity.