Branch Manager-Allahabad

PeopleStrong; Prayagraj; On-site; INR 300,000 - 600,000; Full time

Job summary

PeopleStrong seeks a capable professional for Retail - Gold Loan operations in India. The role centers on growth, risk management, and strict compliance within the gold loan portfolio, reporting to regional leadership.

You will drive performance in key result areas, including business growth, yield optimization, and governance, ensuring secure asset handling and customer-centric service. The position emphasizes cross-team collaboration, adherence to audit standards, and regular engagement with

Responsibilities

• Business Growth & Acquisition: Achieve targets for new CUID creation.
• Business Growth & Acquisition: Drive new customer disbursements as per percentile role benchmarks.
• Business Growth & Acquisition: Ensure net growth and tonnage growth in line with branch plan.
• Yield & Profitability Management: Achieve onboarding yield benchmarks.
• Yield & Profitability Management: Drive optimal ticket size, renewal mix, and repeat customer engagement.
• Yield & Profitability Management: Ensure cost-efficient branch operations.
• Portfolio Quality & Risk Management: Maintain auction-to-book ratio.
• Portfolio Quality & Risk Management: Ensure strict adherence to LTV, documentation quality, and purity testing protocols.
• Portfolio Quality & Risk Management: Resolve spurious and bentex cases within defined timelines.
• Collections & Delinquency Management: Deliver resolution for 0–30 DPD bucket.
• Collections & Delinquency Management: Monitor overdue accounts and perform timely follow-up.
• Collections & Delinquency Management: Support recovery actions as per internal guidelines.
• Compliance, Audit & Governance: Achieve audit score as defined, ensure closure of audit findings.
• Compliance, Audit & Governance: Maintain zero-tolerance on operational deviations and regulatory breaches.
• Compliance, Audit & Governance: Ensure accuracy in process, record keeping, and vault management.
• Compliance, Audit & Governance: Ensure high service quality, fast turnaround time, and seamless grievance resolution.
• Compliance, Audit & Governance: Maintain branch hygiene, safety, and security standards.
• Compliance, Audit & Governance: Lead ABM, Gold Valuer, GLO, and CSE for daily performance.
• Compliance, Audit & Governance: Conduct coaching, on-the-job training, and reviews.
• Compliance, Audit & Governance: Ensure manpower productivity as per branch benchmarks.
• Job Purpose: Assistant Branch Manager: Support branch business operations, supervise frontline staff, and drive daily productivity.
• Job Purpose: Manager – Gold Valuation: Ensure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.
• Job Purpose: Gold Loan Officer: Acquire customers, drive disbursement, manage renewals, and maintain documentation accuracy.
• Job Purpose: Customer Service Executive: Deliver superior customer experience, manage service transactions, and support branch operations.
• Relationships: Internal: Regional / Cluster Heads – Daily – Business planning, target reviews, risk, productivity, and governance discussions.
• Relationships: Internal: IT Team – Weekly / Need-based – System issues, process enhancements, user support.
• Relationships: Internal: Marketing Team – Weekly / Fortnightly – Local campaigns, lead generation, customer engagement programs.
• Relationships: Internal: Risk, Policy, Audit, Compliance, HR – Weekly / Need-based – Escalations, deviations, training needs, audit observations, hiring support.
• Relationships: External: Customers – Need-based
• Relationships: External: Vendors / Security Partners – Need-based
• Relationships: External: Local Influencers / Community Stakeholders – Need-based

Skills

Under Graduate

Job description

DEPARTMENT-1 Retail - Gold Loan

Country India

Skills

Skill

Under Graduate

CERTIFICATION

Job Description

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Business Growth & Acquisition

• Achieve targets for new CUID creation.
• Drive new customer disbursements as per percentile role benchmarks.
• Ensure net growth and tonnage growth in line with branch plan.

Yield & Profitability Management

• Achieve onboarding yield benchmarks
• Drive optimal ticket size, renewal mix, and repeat customer engagement.
• Ensure cost-efficient branch operations.

Portfolio Quality & Risk Management

• Maintain auction-to-book ratio
• Ensure strict adherence to LTV, documentation quality, and purity testing protocols.
• Resolve spurious and bentex cases within defined timelines

Collections & Delinquency Management

• Deliver resolution for 0–30 DPD bucket.
• Monitor overdue accounts and perform timely follow-up.
• Support recovery actions as per internal guidelines.

Compliance, Audit & Governance

• Achieve audit score as defined, ensure closure of audit findings.
• Maintain zero-tolerance on operational deviations and regulatory breaches.
• Ensure accuracy in process, record keeping, and vault management.
• Ensure high service quality, fast turnaround time, and seamless grievance resolution.
• Maintain branch hygiene, safety, and security standards.
• Lead ABM, Gold Valuer, GLO, and CSE for daily performance.
• Conduct coaching, on-the-job training, and reviews.
• Ensure manpower productivity as per branch benchmarks

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

• Assistant Branch Manager: Support branch business operations, supervise frontline staff, and drive daily productivity.
• Manager – Gold Valuation: Ensure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.
• Gold Loan Officer: Acquire customers, drive disbursement, manage renewals, and maintain documentation accuracy.
• Customer Service Executive: Deliver superior customer experience, manage service transactions, and support branch operations.

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact to deliver the job objectives

Relationship Type (Max 80 Characters)

Frequency

Nature (Max 1325 Characters)

Internal

Regional / Cluster Heads

Daily

Business planning, target reviews, risk, productivity, and governance discussions.

IT Team

Weekly / Need-based

System issues, process enhancements, user support.

Marketing Team

Weekly / Fortnightly

Local campaigns, lead generation, customer engagement programs.

Risk, Policy, Audit, Compliance, HR

Weekly / Need-based

Escalations, deviations, training needs, audit observations, hiring support.

External

Customers

Need-based

Vendors / Security Partners

Need-based

Vault security, system maintenance, operational support.

Local Influencers / Community Stakeholders

Need-based

Acquisitions, outreach, local awareness building.