Branch Manager - Gold Loan

Tata Capital; Pune District, Mumbai; Presencial; INR 1 500 000 - 2 500 000; Tempo integral

Resumo da oferta

Tata Capital is seeking a Branch Manager for Gold Loan operations in Pune to lead end-to-end branch activities, ensure portfolio quality, and deliver superior customer experience. The role emphasizes local market growth, regulatory compliance, and team development.

The ideal candidate will drive business through local sourcing, cross-selling, and customer engagement while managing risk, costs, and efficiency across daily operations.

Qualificações

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

Responsabilidades

• Lead end-to-end Gold Loan branch operations and drive business growth.
• Achieve monthly targets for loan disbursement, revenue, and profitability.
• Ensure gold appraisal, loan processing, and disbursement per policy.
• Maintain regulatory compliance and risk controls at the branch.
• Build and manage customer relationships and deliver high service standards.
• Lead, train, and develop branch staff; conduct regular performance meetings.
• Monitor portfolio quality, recoveries, and manage NPAs.

Conhecimentos

Gold Loan Operations

Portfolio Management

Team Leadership

Customer Relationship

Risk & Compliance

Sales & Business Development

Financial Acumen

Local Market Understanding

Formação académica

Bachelor's degree in Commerce/Finance/Business

Gold appraisal certification (preferred)

Descrição da oferta de emprego

Role & responsibilities

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 Responsibilities1. 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

2. 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

3. 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

4. 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

5. 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

6. Financial & Cost Management

• Monitor branch profitability, cost control, and resource allocation
• Track key financial metrics including yield, cost-to-income ratio, and operating expenses

7. 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

Preferred candidate profile

Educational Qualification

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

Experience

• 5-10 years of experience in NBFC/BFSI
• Minimum 2-4 years in Gold Loan / Retail Lending operations
• Prior experience in team handling / branch management preferred