Branch Manager - Gold Loan

Poonawalla Fincorp; Lakhisarai; On-site; INR 600,000 - 900,000; Full time

Job summary

Poonawalla Fincorp in Bihar is seeking a Branch Manager with 7+ years in gold loan or asset finance to drive branch operations, profitability and field marketing. You will oversee valuation, KYC, disbursals, and compliance, while safeguarding assets and ensuring quality service.

The role emphasizes team mentoring, training, NPAs follow-up, and maintaining healthy pipeline through active customer engagement and accurate appraisal of pledged ornaments.

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 improve branch visibility and leads.
• Plan and monitor marketing activities for healthy pipeline and growth.
• Engage customers and appraise pledged gold with correct weight and purity.
• Joint custodian of vault and safekeeping of pledged ornaments.
• Verify KYC documents, process loan disbursals and customer requests.
• Process foreclosure, part release, closure and interest payments.
• Authorize disbursal, foreclosure, release and customer payments.
• Maintain NPAs control through follow-ups and collections.
• Coach, mentor and train employees; provide timely feedback.
• Maintain quality of business, generate reports and drive growth.
• Increase gold loan business and cross-sell third-party products.
• Ensure 100% process compliance and accurate valuations.

Skills

KYC verification

Loan disbursal processing

Foreclosure & closure transactions

Customer payments authorization

Gold valuation & appraisal

Audit & compliance

Field marketing

Team mentoring and training

NPAs follow-up and collection

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.

Qualifications

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

Skills

• KYC verification
• Loan disbursal processing
• Foreclosure & closure transactions
• Customer payments authorization
• Gold valuation & appraisal
• Audit & compliance
• Field marketing
• Team mentoring and training
• NPAs follow-up and collection

Disclaimer: This job posting and Location 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.