Branch Manager - Gold Loan

Tata Capital; Chengalpattu; On-site; INR 600,000 - 1,100,000; Full time

Job summary

Tata Capital is seeking a Branch Manager to lead end-to-end operations of a Gold Loan branch in Tamil Nadu. You will drive portfolio growth, ensure compliance, and deliver exceptional customer service while managing risk and regulatory requirements.

Responsibilities include marketing, team leadership, loan processing, cash management, and performance tracking to meet monthly targets and sustain profitable branch operations.

Responsibilities

• Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiatives
• Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility
• Achieve monthly targets for loan disbursement, revenue, and profitability
• Identify new business opportunities within the catchment area
• Oversee daily branch operations ensuring smooth and efficient functioning
• Ensure proper gold appraisal, loan processing, and disbursement as per company policies
• Monitor cash management, documentation, and audit readiness
• Maintain adherence to regulatory requirements, internal controls, and compliance standards
• Build strong customer relationships to drive repeat business and referrals
• Ensure high-quality service delivery and resolution of customer queries
• Handle escalations and ensure customer satisfaction levels are consistently high
• Lead, train, and motivate branch staff to achieve performance goals
• Conduct regular team meetings to align on targets and performance expectations
• Drive a high-performance culture through coaching, mentoring, and feedback
• Manage staffing, onboarding, and performance reviews
• Ensure quality of gold loan portfolio with strong focus on risk mitigation
• Monitor overdue accounts, initiate recovery actions, and control NPAs
• Ensure accurate assessment of gold collateral and fraud prevention
• Monitor branch profitability, cost control, and resource allocation
• Track key financial metrics including yield, cost-to-income ratio, and operating expenses
• Maintain accurate records of branch performance (business, operations, collections)
• Share periodic reports with regional/zonal leadership
• Track and analyze branch performance vs targets

Job description

Role Purpose

To lead and manage the end-to-end operations of a Gold Loan branch, driving business growth, ensuring operational excellence, maintaining portfolio quality, and delivering superior customer experience while adhering to regulatory and risk guidelines.

Key Responsibilities

1. Business Delivery & Growth

• Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiatives
• Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility
• Achieve monthly targets for loan disbursement, revenue, and profitability
• Identify new business opportunities within the catchment area

2. Branch Operations Management

• Oversee daily branch operations ensuring smooth and efficient functioning
• Ensure proper gold appraisal, loan processing, and disbursement as per company policies
• Monitor cash management, documentation, and audit readiness
• Maintain adherence to regulatory requirements, internal controls, and compliance standards

3. Customer Experience & Relationship Management

• Build strong customer relationships to drive repeat business and referrals
• Ensure high-quality service delivery and resolution of customer queries
• Handle escalations and ensure customer satisfaction levels are consistently high

4. Team Management & Capability Building

• Lead, train, and motivate branch staff to achieve performance goals
• Conduct regular team meetings to align on targets and performance expectations
• Drive a high-performance culture through coaching, mentoring, and feedback
• Manage staffing, onboarding, and performance reviews

5. Portfolio Quality & Risk Management

• Ensure quality of gold loan portfolio with strong focus on risk mitigation
• Monitor overdue accounts, initiate recovery actions, and control NPAs
• Ensure accurate assessment of gold collateral and fraud prevention

6. Financial & Cost Management

• Monitor branch profitability, cost control, and resource allocation
• Track key financial metrics including yield, cost-to-income ratio, and operating expenses

7. Reporting & MIS

• Maintain accurate records of branch performance (business, operations, collections)
• Share periodic reports with regional/zonal leadership

Track and analyze branch performance vs targets