Branch Manager - Gold Loan

Poonawalla Fincorp; Anantapuram; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Poonawalla Fincorp is seeking a Branch Manager to lead gold loan operations at the Anantapuram branch. You will oversee field marketing, customer engagement, KYC validation, and loan disbursal processes to ensure growth and compliance.

You will act as vault custodian, manage NPAs through follow-ups, mentor staff, and drive branch performance with reporting and strategic planning. MBA or equivalent and 7+ years in asset-lending are preferred.

Qualifications

• 7+ years of Product / Sales experience in Gold loan or other Asset products.
• Post Graduate Degree in MBA or Equivalent.

Responsibilities

• Drive & participate in field marketing activities with the team to improve branch visibility.
• Plan, conduct & monitor the branch & field level marketing activities to ensure healthy pipeline of leads resulting in business conversion & branch growth.
• Focus on customer engagement & appraisal of gold ornaments being pledged in branch with correct weight & purity assessment as per company policy and auditory compliance.
• Joint custodian of the Vault with responsibility of safekeeping of pledge ornaments as per company policy.
• Verify customer KYC documents, application requests and initiate loan disbursals.
• Process foreclosure, part release, closure, interest payment transactions based on customer requests.
• Authorize transactions for disbursal, foreclosure, release and accept customer payments.
• Responsible for keeping NPAs in control through strong follow-ups from customers for interest collections.
• Good planning abilities are required for smooth functioning of the branch & for developing cohesiveness within the company and co-workers.
• Hiring, coaching, mentoring and training employees and providing them with timely feedback on their performance.
• Maintaining quality & performance of the business, preparing various reports of the same and take necessary actions for growth of business in branch.
• Increase gold loan business plus various other third-party products.
• Responsible for correct valuation & maintenance of 100% process compliance at branch.
• Manage error-free valuation & appraisal of gold ornaments being pledged in branch with correct weight & purity assessment as per company policy and auditory compliance.

Skills

Gold loan

KYC

Loan disbursal

Valuation & appraisal

Audit compliance

Vault custody

Customer engagement

Field marketing

Team leadership

Education

MBA or equivalent

Job description

Job Summary

Responsible for overall branch operations, performance & profitability of the branch.

Responsibilities

• Drive & participate in field marketing activities with the team to improve branch visibility.
• Plan, conduct & monitor the branch & field level marketing activities to ensure healthy pipeline of leads resulting in business conversion & branch growth.
• Focus on customer engagement & appraisal of gold ornaments being pledged in branch with correct weight & purity assessment as per company policy and auditory compliance.
• Joint custodian of the Vault with responsibility of safekeeping of pledge ornaments as per company policy.
• Verify customer KYC documents, application requests and initiate loan disbursals.
• Process foreclosure, part release, closure, interest payment transactions based on customer requests.
• Authorize transactions for disbursal, foreclosure, release and accept customer payments.
• Responsible for keeping NPAs in control through strong follow-ups from customers for interest collections.
• Good planning abilities are required for smooth functioning of the branch & for developing cohesiveness within the company and co-workers.
• Hiring, coaching, mentoring and training employees and providing them with timely feedback on their performance.
• Maintaining quality & performance of the business, preparing various reports of the same and take necessary actions for growth of business in branch.
• Increase gold loan business plus various other third-party products.
• Responsible for correct valuation & maintenance of 100% process compliance at branch.
• Manage error-free valuation & appraisal of gold ornaments being pledged in branch with correct weight & purity assessment as per company policy and auditory compliance.

Qualifications

• 7+ years of Product / Sales experience in Gold loan or other Asset products, Post Graduate Degree in MBA or Equivalent

Key Skills

Gold loan, KYC, Loan disbursal, Valuation & appraisal of gold ornaments, Audit compliance, Vault custody, Customer engagement, Field marketing, Team leadership