Branch Manager - Gold Loan

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

Job summary

Poonawalla Fincorp is seeking a high-performing professional to head branch operations and drive profitability at the Gurgaon/Haryana region. You will oversee performance, field marketing, lead generation, customer engagement, and compliance across KYC and audits, ensuring smooth cash flow and quality control.

The role emphasizes strengthening the branch's gold loan business, managing vault custody, asset appraisal, and team development through mentoring and training to deliver sustainable

Qualifications

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

Responsibilities

• Oversee overall branch operations, performance and profitability.
• Drive field marketing activities to boost branch visibility and lead pipeline.
• Plan and monitor branch-level marketing to convert leads and grow branch business.
• Engage customers and ensure proper appraisal of pledged gold with weight and purity.
• Joint custodian of vault and safekeeping of pledged ornaments.
• Verify KYC documents, process loan disbursals and handle foreclosures/closures.

Skills

Branch operations

Gold loan sales

Leadership

KYC compliance

Education

MBA or equivalent

Job description

Job Summary

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.

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.

Qualifications

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