Branch Manager - Gold Loan

TVS Credit Services Ltd; Thanjavur; On-site; INR 600,000 - 900,000; Full time

Job summary

TVS Credit Services Ltd. Chennai is seeking an experienced Branch Manager for Gold Loan sales.

You will oversee the branch's gold loan portfolio, drive growth, and lead daily operations including disbursement, cash handling, vault security, customer service, and compliance. The role emphasizes team leadership, field marketing, risk management, customer engagement, data-driven reporting, and maintaining high quality standards.

Qualifications

• Gold loan portfolio experience at branch level.
• Experience in loan disbursement, cash management, vault keeping, and compliance.
• Ability to lead and train teams.

Responsibilities

• Manage and oversee the Gold Loan portfolio of the branch, ensuring growth.
• Lead branch activities including loan disbursement, cash management, vault keeping, customer service, and compliance.
• Collaborate to drive field marketing and promote gold loan schemes.
• Coach and mentor employees to foster a high-performance culture.
• Facilitate training to enhance employee skills and development.
• Prepare accurate reports on branch performance and operations.
• Use data insights to identify improvements and grow TVS Gold Loan presence.
• Focus on customer engagement to acquire and retain clients.
• Assist clients throughout their Gold Loan financing journey.
• Maintain quality performance and take actions for growth.
• Ensure timely collection activities and manage NPAs provisions.
• Maintain accurate valuation of pledged gold and ensure audits.
• Verify weight and purity using standard tests.
• Ensure proper storage and safety of gold and cash in vaults.
• Oversee safe operations and uphold policies for smooth financing.
• Uphold safety standards for branch infrastructure and operations.
• Safeguard gold assets and maintain security in branches and vaults.

Job description

Role & responsibilities

• Branch-Level Activities:
• Manage and oversee the Gold Loan portfolio of the branch, ensuring effective utilization and growth.
• Lead all branch-level activities to drive business growth, including loan disbursement, cash management, vault keeping, customer service, and compliance with company policies.
• Collaborate with the team to drive field-marketing activities, promoting various gold loan schemes and enhancing brand visibility.
• Team Leadership:
• Coach, mentor, and provide timely feedback to employees, fostering a high-performance culture within the branch.
• Facilitate training to enhance employee skills and professional development.
• Reporting and Analysis:
• Prepare accurate and timely reports related to branch performance, functioning, and operational metrics.
• Utilize data insights to identify areas for improvement and strategic decision-making to increase the presence of TVS Credit in the Gold Loan market for your catchment.
• Customer Engagement:
• Focus on customer engagement strategies to acquire new customers and ensure their retention.
• Assist clients throughout their Gold Loan Financing journey, addressing their needs and concerns.
• Business Quality Performance:
• Maintain and enhance the quality performance of the branch's gold loan business by implementing necessary actions for growth.
• Ensure timely and effective collection activities, while proactively managing provisions for NPAs, to maintain financial health and compliance within the branch for Gold Loan business.
• Valuation and Compliance:
• Maintain accurate valuation appraisal of gold ornaments pledged in the branch, ensuring compliance with company policies and audit standards.
• Verify weight and purity assessments as required through acid and salt test, pointed scratch test, weight test, smell test usability test, flexibility test, sound test etc.

Ensure proper storage and safety of gold and cash assets in the vaults allocated

• Risk Management:
• Ensure the branch opens and closes in adherence to company compliance norms, maintaining operational integrity.
• Oversee and validate safe operations conducted by designated employees, upholding company policies without compromise for smooth functioning of gold financing operations.
• Uphold safety standards for branch infrastructure and operations, ensuring a secure and risk-free environment.
• Safeguard gold assets stored in branches and vaults, rigorously maintaining security standards to prevent compromise.

Preferred candidate profile

Chennai - Branch Manager -Gold loan Sales