Branch Manager - Gold Loan

Poonawalla Fincorp; Sira; On-site; INR 800,000 - 1,000,000; Full time

Job summary

Poonawalla Fincorp in Karnataka is seeking an experienced Branch Manager to oversee overall branch operations and drive profitability. You will lead field marketing to improve branch visibility and build a healthy pipeline of leads for successful conversions.

You will manage KYC verification, loan disbursal processes, vault custody of pledged gold, and branch reporting for growth. 7+ years in gold loan or asset products and an MBA or equivalent are required, with strong leadership and compliance

Qualifications

• MBA or equivalent degree required.
• 7+ years of product/sales experience in gold loan or asset products.
• Strong understanding of KYC and branch operations.

Responsibilities

• Drive branch operations and profitability targets.
• Lead field marketing to grow leads and conversions.
• Audit gold ornament valuation and weight accuracy.
• Verify KYC documents and initiate loan disbursals.
• Manage loans closure, payments, and NPAs control.
• Hire, coach, and mentor branch staff.
• Prepare branch reports and growth actions.

Skills

Customer engagement

KYC

Audit/compliance

Team leadership

Education

MBA or Equivalent

Job description

Job Summary

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.

Responsibilities

• 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