Branch Manager

DJT Gold Loan; New Delhi; On-site; INR 600,000 - 1,000,000; Full time

Job summary

DJT Gold Loan in Delhi seeks an experienced Branch Manager to drive Gold Loan growth and oversee branch operations. You will lead sales teams, ensure compliance, and maintain strong customer relationships while delivering timely MIS to the Regional Manager.

The role requires strong leadership, market development skills, and a solid grasp of risk controls and customer service standards in a fast-paced NBFC environment.

Qualifications

• Graduate in any discipline (preferred).
• Additional qualifications in Finance, Banking or Management will be an advantage.

Responsibilities

• Drive branch-level Gold Loan business and meet monthly targets.
• Develop strategies for customer acquisition and market penetration.
• Manage day-to-day branch operations including processing and documentation.
• Supervise gold appraisal, valuation and LTV compliance.
• Lead Sales Officers and branch staff; monitor productivity.
• Ensure KYC/AML compliance and secure vault controls.
• Maintain strong customer relationships and handle escalations.
• Submit MIS and reports to the Regional/Area Manager.

Skills

Leadership

Sales execution

Gold Loan knowledge

Branch operations

Customer relationship

MIS reporting

Communication

Problem solving

Education

Graduate degree

Finance/Banking/Management qualification

Job description

JD :

Key Responsibilities

A. Business Development & Sales Management

• Drive branch-level Gold Loan business and achieve monthly disbursement and portfolio growth targets.
• Develop and execute strategies for customer acquisition, lead generation and market penetration.
• Identify business opportunities through local market mapping, customer references and field activities.
• Build relationships with existing and prospective customers to generate repeat business.
• Monitor daily sales performance and ensure achievement of individual and branch-level targets.
• Drive loan renewals, top-ups and customer retention.

B. Branch Operations & Management

• Manage the day-to-day functioning of the Gold Loan branch.
• Ensure smooth loan processing, documentation, disbursement and repayment activities.
• Supervise gold appraisal, valuation and loan-to-value (LTV) compliance through authorized appraisers.
• Ensure proper handling, tagging, sealing, custody and storage of pledged gold ornaments.
• Ensure adherence to dual-control procedures and secure gold vault management.
• Monitor daily cash transactions, branch records and operational reports.

C. Team Management & Leadership

• Lead, guide and monitor Sales Officers, CCEs and other branch staff.
• Allocate business targets and monitor individual productivity.
• Conduct regular team meetings, field reviews and performance assessments.
• Identify training requirements and improve team productivity.
• Ensure discipline, accountability and effective coordination among branch employees.

D. Risk Management & Compliance

• Ensure strict adherence to KYC, AML, RBI guidelines and internal company policies.
• Monitor compliance with gold valuation, LTV and loan disbursement procedures.
• Ensure proper verification of customer identity and ownership-related documentation.
• Prevent fraud, misappropriation, unauthorized transactions and operational irregularities.
• Conduct regular verification of gold packets, vault records and branch-level security controls.
• Immediately escape suspicious transactions, discrepancies and audit observations to the appropriate authority.

E. Customer Relationship Management

• Maintain strong relationships with customers and ensure high service standards.
• Handle customer grievances, complaints and escalations.
• Ensure transparent communication regarding interest rates, repayment terms, charges and loan closure.
• Drive customer retention, repeat business and referrals.

F. Business Monitoring & Reporting

• Review daily, weekly and monthly business performance.
• Monitor branch productivity, disbursement, outstanding portfolio and overdue accounts.
• Submit timely MIS and business reports to the Regional / Area Manager.
• Ensure timely closure of audit observations and operational gaps.
• Monitor branch profitability and operating expenses.

3. Educational Qualification

• Graduate in any discipline (preferred).
• Additional qualifications in Finance, Banking or Management will be an advantage.

4. Experience

• 36 years of experience in Gold Loan / NBFC / Banking operations.
• Prior experience in handling a Gold Loan branch or managing a sales and operations team is preferred.
• Knowledge of gold valuation, loan processing, branch operations and compliance is essential.

5. Required Skills

• Strong leadership and team management skills.
• Business development and sales execution.
• Knowledge of Gold Loan products, LTV and valuation processes.
• Branch operations and risk management.
• Customer relationship management.
• Analytical skills and MIS reporting.
• Problem‑solving and decision‑making ability.
• Strong communication and interpersonal skills.