Branch Manager - Gold Loan

Tata Capital; New Delhi; On-site; INR 700,000 - 900,000; Full time

Job summary

Tata Capital in New Delhi seeks an experienced Branch Manager for Gold Loan to lead end-to-end branch operations, drive growth, and ensure regulatory compliance. You will oversee appraisal, processing, disbursement, customer service, and risk controls in a fast-paced retail finance environment.

The role emphasizes local business development, marketing, and team leadership, with focus on portfolio quality, cost control, and MIS reporting.

Qualifications

• Graduate with relevant commerce/finance/business background.
• Certifications in gold appraisal or financial services are preferred.

Responsibilities

• Drive Gold Loan portfolio growth through branch walk-ins, local sourcing and cross-selling.
• Plan and execute local marketing campaigns to boost customer acquisition and branch visibility.
• Achieve monthly targets for loan disbursement, revenue and profitability.
• Oversee daily branch operations ensuring smooth functioning and compliance.
• Maintain high-quality service delivery and resolve customer queries efficiently.
• Lead, train and motivate branch staff to hit performance targets.
• Monitor portfolio quality, NPAs, risk controls and recoveries.

Skills

Gold Loan Ops Appraisal

Sales & BD

Team Leadership

Customer Relationship

Risk & Compliance

Financial Acumen

Market Understanding

Stakeholder Communication

Education

Graduate in Commerce/Finance/Business

Gold appraisal/financial services certs

Job description

Role Purpose

To lead and manage the end-to-end operations of a Gold Loan branch, driving business growth, ensuring operational excellence, maintaining portfolio quality, and delivering superior customer experience while adhering to regulatory and risk guidelines.

Key Responsibilities

• Business Delivery Growth
  • Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiatives
  • Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility
  • Achieve monthly targets for loan disbursement, revenue, and profitability
  • Identify new business opportunities within the catchment area
• Branch Operations Management
  • Oversee daily branch operations ensuring smooth and efficient functioning
  • Ensure proper gold appraisal, loan processing, and disbursement as per company policies
  • Monitor cash management, documentation, and audit readiness
  • Maintain adherence to regulatory requirements, internal controls, and compliance standards
• Customer Experience Relationship Management
  • Build strong customer relationships to drive repeat business and referrals
  • Ensure high-quality service delivery and resolution of customer queries
  • Handle escalations and ensure customer satisfaction levels are consistently high
• Team Management Capability Building
  • Lead, train, and motivate branch staff to achieve performance goals
  • Conduct regular team meetings to align on targets and performance expectations
  • Drive a high-performance culture through coaching, mentoring, and feedback
  • Manage staffing, onboarding, and performance reviews
• Portfolio Quality Risk Management
  • Ensure quality of gold loan portfolio with strong focus on risk mitigation
  • Monitor overdue accounts, initiate recovery actions, and control NPAs
  • Ensure accurate assessment of gold collateral and fraud prevention
• Financial Cost Management
  • Monitor branch profitability, cost control, and resource allocation
  • Track key financial metrics including yield, cost-to-income ratio, and operating expenses
• Reporting MIS
  • Maintain accurate records of branch performance (business, operations, collections)
  • Share periodic reports with regional/zonal leadership
  • Track and analyze branch performance vs targets

Key Skills Competencies

• Gold Loan Operations Appraisal
• Sales Business Development
• Team Leadership People Management
• Customer Relationship Management
• Risk Compliance Orientation
• Financial Acumen Analytical Skills
• Strong Local Market Understanding
• Communication Stakeholder Management

Educational Qualification

• Graduate (preferred: Commerce / Finance / Business)
• Certifications in gold appraisal or financial services (preferred)

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.