Branch Manager

Aditya Birla Insulators; Jaipur; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Aditya Birla Capital Limited is seeking a Branch Manager for Gold Loans to drive branch-level business performance, ensure compliance, and deliver a superior customer experience while maintaining portfolio quality. You will lead a frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs.

The role emphasizes RBI-compliant operations, strict risk controls, and collaboration with staff to optimize revenue and growth at the branch level in a

Responsibilities

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

Job description

Job Summary

The Branch Manager Gold Loans is responsible for driving branchlevel 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 goverce.

Dimensions

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

Job Context & Major Challenges

Organization Context - Aditya Birla Capital Limited ("NBFC") is registered with RBI as a Systematically Important NonDeposit accepting NonBanking Fice Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31Sep 25, ABCL has a panIndia presence with a lending book of approx. 500 Crores.

ABCL offers endtoend lending solutions to a diverse set of customers Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Fice (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Fice, Mid and Large Corporate Loans, and Infrastructure Fice loans. ABCL also has a Wealth Management division.

ABCL is rated AAA by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context - 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.

Job Context: - The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational goverce. The role balances growth, yield optimization, and compliance while managing a small but high impact team and ensuring branchlevel risk controls.