Branch Manager - Gold Loan

Poonawalla Fincorp; Kota; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Poonawalla Fincorp Kota requires an experienced operations and sales leader to oversee overall branch operations, performance and profitability. The role drives field marketing with the team to improve visibility and maintains customer engagement during gold loan appraisal and pledge valuation.

The candidate should have 7+ years in product or sales related to gold loans or asset products and an MBA or equivalent qualification. The posting emphasizes compliance and team development.

Qualifications

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

Responsibilities

• Verify customer KYC and initiate loan disbursals.
• Process foreclosures, part release and closures.
• Authorize transactions for disbursal, foreclosure, release and payments.
• Maintain NPAs through diligent follow-ups on interest collections.
• Plan and mentor staff to ensure smooth branch operations.
• Increase gold loan business and cross-sell third-party products.
• Ensure 100% process compliance and accurate valuation of pledged ornaments.

Skills

Branch operations

Sales leadership

KYC

Customer engagement

Loan disbursal

Team mentoring

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.

Responsibilities

• 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 / Experience

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

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.