Branch Manager - Gold Loan

Aditya Birla Insulators; Raichur District; On-site; INR 600,000 - 900,000; Full time

Job summary

Aditya Birla Insulators is seeking a Branch Manager for Gold Loans in Raichur district, Karnataka. You will lead the frontline team to drive disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while ensuring governance and compliance at the branch level.

The role requires strong relationship-building with local customers and authorities, strict RBI policy adherence, and effective portfolio monitoring.

Qualifications

Responsibilities

• Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.
• Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management.
• Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions.
• Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.
• Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric.

Job description

Job Purpose

The Branch Manager Gold Loans is responsible for driving branchlevel business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational goverce.

Dimensions

• New Relationship Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.
• Managing Existing Relationship Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management
• Structuring new Transactions Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions
• Compliance of regulatory guidelines Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.
• Portfolio monitoring Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric

Major Challenges

• Achieving aggressive customer acquisition, disbursement and tonnage growth in competitive local markets.
• Maintaining strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.
• Ensuring timely closure of spurious/bentex cases and minimizing auctiontobook ratio.
• Driving collection resolutions for 030 DPD while preventing slippages.
• Ensuring branch audit scores >90% with zero tolerance deviations.

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.