Branch Manager - Gold Loan

Poonawalla Fincorp; Chirawa; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Poonawalla Fincorp Rajasthan branch is seeking an experienced Branch Operations Lead responsible for overall branch performance and profitability. You will drive field marketing, manage customer engagement, and ensure accurate gold ornament valuation and compliance.

The role requires 7+ years in gold loan or asset product sales, with an MBA or equivalent, and hands-on leadership to hire, train, and develop a high-performing team while maintaining strict process controls and reporting for growth.

Qualifications

• 7+ years of product/sales experience in gold loan or asset products.
• Postgraduate degree in MBA or equivalent.

Responsibilities

• Drive and participate in field marketing to improve branch visibility.
• Plan, conduct and monitor branch and field marketing to build leads and growth.
• Engage customers and appraise gold ornaments for weight and purity.
• Joint custodian of Vault; safekeeping of pledged ornaments.
• Verify KYC documents, process applications and initiate loan disbursals.
• Process foreclosure, part release, closure, interest payments.
• Authorize disbursals, foreclosures, releases and accept payments.
• Keep NPAs under control through follow-ups for collections.
• Plan for smooth branch functioning and teamwork.
• Hire, coach, mentor and train staff with timely feedback.
• Maintain quality and performance; prepare reports and drive growth.
• Increase gold loan business and third-party products.
• Ensure accurate valuation and 100% process compliance.
• Manage error-free valuation and appraisal of pledged gold.

Skills

Gold loan sales

Customer engagement

Team mentoring

Compliance awareness

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, postgraduate degree in MBA or equivalent

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