Branch Manager - Gold Loan

Poonawalla Fincorp; Halvad; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Poonawalla Fincorp is seeking a seasoned Branch Manager to drive overall branch operations and profitability in Gujarat. You will lead field marketing, customer engagement, and the appraisal of pledged gold with strict adherence to weight, purity, and policy compliance.

You will co-manage vault security, approvals for disbursals, foreclosures and payments, while mentoring staff and ensuring NPAs are controlled through proactive follow-ups and robust reporting.

Qualifications

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

Responsibilities

• Oversee branch operations, performance and profitability.
• Drive field marketing to boost branch visibility.
• Engage customers and ensure accurate appraisal and weight/purity of pledged gold.
• Safeguard vault and ensure safekeeping of pledged ornaments.

Skills

Branch operations

Sales experience

Customer engagement

KYC & compliance

Team leadership

Education

MBA or equivalent

Job description

Job Description

Principal Accountabilities

• Responsible for overall branch operations, performance & profitability of the branch.
• Drive & participate in field marketing activities with the team to improve branch visibility.
• 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