Branch Manager - Gold Loan

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

Job summary

Poonawalla Fincorp is seeking an experienced Branch Manager in Karnataka to lead day-to-day branch operations and drive profitable performance. You will oversee customer engagement, KYC checks, disbursals, and revenue growth while ensuring compliance and quality controls.

Key responsibilities include field marketing, pipeline development, asset valuation accuracy for gold loans, team coaching, and reporting to fuel branch expansion.

Qualifications

• 7+ years of product/sales experience in gold loan or asset products.
• Postgraduate MBA or equivalent.

Responsibilities

• Oversee overall branch operations and profitability.
• Drive field marketing to improve branch visibility.
• Plan and monitor field activities to maintain a healthy lead pipeline.
• Assess gold ornaments for weight and purity per policy and audits.
• Joint custodian of the Vault and safekeeping of pledged ornaments.
• Verify KYC documents and initiate loan disbursements.
• Process foreclosure, part releases, and interest payments.
• Authorize disbursals, foreclosures, releases and customer payments.
• Maintain NPAs through follow-ups on interest collections.
• Hire, coach, and train staff with timely feedback.
• Prepare branch reports and drive growth actions.
• Increase gold loan business and cross-sell third-party products.
• Ensure 100% process compliance in valuation of pledged ornaments.

Skills

Gold loan

Sales

Branch operations

Team leadership

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, postgraduate degree in MBA or equivalent.