Branch Manager - Bhavnagar

Birla Carbon; Bhavnagar; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Aditya Birla Capital Limited (ABCL) is seeking an Assistant Branch Manager to support branch operations, supervise frontline staff, and uphold compliance while delivering strong customer experience at the branch. The role focuses on daily productivity, correct documentation, and timely renewals, plus coordination with internal teams for risk control and governance.

You will develop local partnerships, manage relationships, run daily huddles, and participate in renewal activities to drive branch

Responsibilities

• Driving daily productivity while maintaining documentation accuracy and TAT.
• Upholding audit and compliance standards across all transactions.
• Ensuring timely renewal and early delinquency follow-ups.
• Assist in lead generation, conversion, renewals and local outreach initiatives.
• Drive SOP adherence in documentation, valuation coordination and vault operations.
• Monitor early buckets, LTV adherence and coordinate with collections as per guidelines.
• Ensure prompt query resolution and standardized branch experience.
• Run daily huddles, MIS tracking and on-the-job coaching for frontline roles.

Job description

Job Description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Job Purpose

Support the Branch Manager in driving daily business, supervising frontline staff, ensuring operational excellence, and maintaining compliance, portfolio discipline and customer experience at the branch.

New Relationship

Develop local partnerships and community connects to support branch acquisition and renewals.

Managing Existing Relationship

Supervise GLOs, Valuer and CSE; run daily huddles, allocate workloads and review productivity.

Structuring New Transactions

Ensure correct documentation, system entries, and LTV application for new and renewal cases.

Compliance of Regulatory Guidelines

Enforce process adherence across KYC/AML, valuation SOPs, vault protocols and audit readiness. Track renewals, overdues, and risk flags; support timely collection actions and issue resolution.

Organization Context

Aditya Birla Capital Limited ("NBFC") is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 Crores.

ABCL offers end-to-end 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 Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance 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

ABM ensures consistent execution of branch processes while balancing sales push and risk controls; acts as second-in-command for business and governance.

• Driving daily productivity while maintaining documentation accuracy and TAT.
• Upholding audit and compliance standards across all transactions.
• Ensuring timely renewal and early delinquency follow-ups.

Key Result Areas

Business Support & Acquisition

Assist in lead generation, conversion, renewals and local outreach initiatives.

Operational Excellence & Process Adherence

Drive SOP adherence in documentation, valuation coordination and vault operations.

Monitor early buckets, LTV adherence and coordinate with collections as per guidelines.

Customer Service

Ensure prompt query resolution and standardized branch experience.

Team Supervision & Productivity

Run daily huddles, MIS tracking and on-the-job coaching for frontline roles.

Direct Reports

No Direct reports

Relationships

Internal

• Branch Manager – Daily – Planning, reviews, escalations and governance.
• Risk/ Policy/ Audit/ Compliance – Clarifications, observations and closures.
• IT & Marketing – Need-based – System support, campaigns and lead flows.

External

• Customers – Need-based – Service support, renewals, grievance handling.