Branch Manager - Gold Loan

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

Job summary

Poonawalla Fincorp is seeking an experienced Branch Manager to oversee day-to-day branch operations, drive revenue, and ensure profitability. You will lead field marketing efforts and manage risk controls while coordinating with team members to achieve growth targets.

The role requires 7+ years of product/sales experience in gold loans or asset products and an MBA or equivalent postgraduate degree. Strong KYC, disbursal processes, and compliance are essential for success.

Qualifications

• 7+ years of product/sales experience in Gold loan or other Asset products.
• MBA or equivalent postgraduate degree required.

Responsibilities

• Oversee branch operations, performance and profitability.
• Drive field marketing to improve branch visibility.
• Plan and monitor marketing activities to generate leads and ensure branch growth.
• Verify KYC documents and initiate loan disbursals; process foreclosure and payments.
• Maintain NPAs through strong follow-ups and timely collections.

Skills

Gold loan sales

Branch operations

Team mentoring

Education

MBA

Post Graduate Degree

Job description

Job Summary

Overview of branch operations, performance and profitability responsibilities.

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