Branch Manager - Gold Loan

Poonawalla Fincorp; Sait Kibir Nagar; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Poonawalla Fincorp invites an experienced Branch Manager to oversee operations, profitability, and customer engagement at its Uttar Pradesh branch. You will drive field marketing, ensure compliance, and manage loan disbursals and KYC processes.

The role requires 7+ years in gold loan or asset products and an MBA. You will mentor staff, manage vault custody, and work to grow gold loan business and other products.

Qualifications

• 7+ years of Product / Sales experience in Gold loan or other Asset products; MBA or equivalent degree required.

Responsibilities

• Oversee branch operations, performance, and profitability.
• Drive field marketing to boost branch visibility.
• Plan and monitor branch and field marketing to ensure healthy lead pipeline.
• Ensure accurate valuation and weight/purity assessment of pledged gold.
• Maintain vault custody and compliance with company policy.
• Verify KYC documents and initiate loan disbursals.
• Manage NPAs through diligent follow-ups and collections.
• Hire, coach, mentor, and train staff with timely feedback.
• Prepare branch performance reports and drive growth.
• Expand gold loan business and other third-party products.

Skills

KYC

Loan disbursal

Foreclosure

Customer engagement

Valuation & appraisal

Vault custody

Hiring & mentoring

NPAs management

Education

MBA

Job description

Principal accountabilities

• 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

Skills

• KYC
• Loan disbursal
• Foreclosure
• Customer engagement
• Valuation & appraisalWeight & purity assessment
• Vault custody
• Hiring, coaching, mentoring and training
• NPAs management / collections

Disclaimer: This job posting and Location 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.