Branch Manager - Gold Loan

Poonawalla Fincorp; Etawah; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Poonawalla Fincorp in India seeks a senior professional to manage branch operations, drive gold loan activities, and lead field marketing initiatives. You will verify KYC, manage disbursals and compliance while ensuring healthy growth and customer satisfaction.

The role requires 7+ years in gold loan or asset products, with an MBA or equivalent degree, and strong leadership capabilities to coach a branch team.

Qualifications

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

Responsibilities

• Oversee branch operations, performance and profitability.
• Lead field marketing to improve branch visibility.
• Plan and monitor branch and field activities to generate leads.
• Verify KYC, process disbursals, foreclosure and payments.
• Ensure 100% process compliance and proper valuation of pledged gold.
• Hire, coach, mentor and train staff with timely feedback.
• Maintain NPAs through proactive follow-ups and collections.

Skills

Gold loan operations

Field marketing

KYC documents

Loan disbursals

Foreclosure processing

Valuation & appraisal

Weight & purity assessment

Auditory compliance

Team leadership

Education

MBA or equivalent

Job description

Responsibilities

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

Requirements

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

Key Skills

• Gold loan operations
• Field marketing
• KYC documents
• Loan disbursals
• Foreclosure processing
• Valuation & appraisal of gold ornaments
• Weight & purity assessment
• Auditory compliance
• Team leadership