Branch Manager - Gold Loan

Aditya Birla Capital; Karnataka; On-site; INR 1,200,000 - 2,000,000; Full time

Benefits offered by this job

Competitive compensation

Job summary

Aditya Birla Capital Limited is seeking a Branch Manager – Gold Loans to oversee branches across India, driving disbursements, portfolio quality, and compliance while leading the frontline team for outstanding customer service.

You will manage ABM, Gold Valuer, GLO, and CSE, ensure accurate gold valuation and documentation, and uphold audit standards to sustain growth and profitability.

Qualifications

• Experience in gold loan business and branch operations.
• Ability to drive disbursement, yield, and customer acquisition.
• Strong knowledge of RBI norms and risk controls.
• Proven leadership of frontline teams (ABM, Gold Valuer, GLO, CSE).
• Maintain documentation quality and audit readiness.
• Ability to monitor delinquencies and collection resolution.

Responsibilities

• Drive branch-level business performance through disbursement targets.
• Build relationships with local customers, partners, and authorities.
• Ensure accurate gold valuation and loan structuring within LTV norms.
• Maintain strict adherence to RBI norms, risk processes, and audits.
• Monitor portfolio metrics like delinquencies, yields, and branch growth.
• Lead and coach ABM, Gold Valuer, GLO, and CSE to peak performance.

Skills

Leadership

Branch Management

Gold Loan Knowledge

Regulatory Compliance

Customer Acquisition

Portfolio Quality

Job description

Basic Details

Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business

Financial Services

Unit

Aditya Birla Capital Limited

Location

Across branches in India

Job Purpose

Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

The Branch Manager – Gold Loans is responsible for driving branch-level business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational governance.

Dimensions

Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

New Relationship

Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.

Managing Existing Relationship

Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management

Structuring new Transactions

Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions

Compliance of regulatory guidelines

Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.

Portfolio monitoring

Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric

Job Context & Major Challenges

Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section (Max 3975 Characters)

Organization Context

Aditya Birla Capital Limited (“NBFC”) is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 Crores.

ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.

ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context

Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and customer trust management.

Job Context

The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational governance. The role balances growth, yield optimization, and compliance while managing a small but high ? impact team and ensuring branch-level risk controls

Key Challenges

• Achieving aggressive customer acquisition, disbursement and tonnage growth in competitive local markets.
• Maintaining strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.
• Ensuring timely closure of spurious/bentex cases and minimizing auction-to-book ratio.
• Driving collection resolutions for 0–30 DPD while preventing slippages.
• Ensuring branch audit scores >90% with zero tolerance deviations.
• Delivering consistent customer experience in high-sensitivity product category (emotional asset).
• Motivating and developing frontline staff for continuous sales and service productivity
• Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Key Result Areas

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Business Growth & Acquisition

• Achieve targets for new CUID creation.
• Drive new customer disbursements as per percentile role benchmarks.
• Ensure net growth and tonnage growth in line with branch plan.

Yield & Profitability Management

• Achieve onboarding yield benchmarks
• Drive optimal ticket size, renewal mix, and repeat customer engagement.
• Ensure cost-efficient branch operations.

Portfolio Quality & Risk Management

• Maintain auction-to-book ratio
• Ensure strict adherence to LTV, documentation quality, and purity testing protocols.
• Resolve spurious and bentex cases within defined timelines

Collections & Delinquency Management

• Deliver resolution for 0–30 DPD bucket.
• Monitor overdue accounts and perform timely follow-up.
• Support recovery actions as per internal guidelines.

Compliance, Audit & Governance

• Achieve audit score as defined, ensure closure of audit findings.
• Maintain zero-tolerance on operational deviations and regulatory breaches.
• Ensure accuracy in process, record keeping, and vault management.

Customer Service & Branch Experience

• Ensure high service quality, fast turnaround time, and seamless grievance resolution.
• Maintain branch hygiene, safety, and security standards.

People Leadership & Productivity

• Lead ABM, Gold Valuer, GLO, and CSE for daily performance.
• Conduct coaching, on-the-job training, and reviews.
• Ensure manpower productivity as per branch benchmarks
• Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)
• Assistant Branch Manager: Support branch business operations, supervise frontline staff, and drive daily productivity.
• Manager – Gold Valuation: Ensure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.
• Gold Loan Officer: Acquire customers, drive disbursement, manage renewals, and maintain documentation accuracy.
• Customer Service Executive: Deliver superior customer experience, manage service transactions, and support branch operations.
• Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with to deliver the job objectives

Relationship Type (Max 80 Characters) Frequency Nature (Max 1325 Characters)

Internal

• Regional / Cluster Heads
  Daily
  Business planning, target reviews, risk, productivity, and governance discussions.
• IT Team
  Weekly / Need-based
  System issues, process enhancements, user support.
• Marketing Team
  Weekly / Fortnightly
  Local campaigns, lead generation, customer engagement programs.
• Risk, Policy, Audit, Compliance, HR
  Weekly / Need-based
  Escalations, deviations, training needs, audit observations, hiring support.

External

• Customers
  Need-based
  Product queries, service support, relationship building, grievance resolution.
• Vendors / Security Partners
  Need-based
  Vault security, system maintenance, operational support.
• Local Influencers / Community Stakeholders
  Need-based
  Acquisitions, outreach, local awareness building.