Branch Manager - Gold Loan

Poonawalla Fincorp

Zirakpur

On-site

INR 1,200,000 - 2,400,000

Full time

13 days ago

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Job summary

Poonawalla Fincorp is seeking an experienced Branch Manager to lead operations and drive profitability in a gold loan-focused branch in Punjab. You will supervise field marketing, manage customer engagement, verify KYC, and authorize disbursals and payments while ensuring strict audit compliance.

You will also coach and train staff, monitor NPAs, and promote growth by expanding gold loan and related asset products. Strong leadership and Process discipline are essential.

Qualifications

7+ years of product / sales experience in Gold loan or other Asset products.
Post Graduate Degree in MBA or Equivalent.

Responsibilities

Oversee branch operations, performance & profitability of the branch.
Drive & participate in field marketing activities to improve branch visibility.
Plan, conduct & monitor branch & field level marketing activities to ensure healthy pipeline of leads for business conversion & branch growth.
Engage customers and appraise gold ornaments with correct weight & purity as per policy and audit compliance.
Joint custodian of the Vault with safekeeping of pledged ornaments as per policy.
Verify customer KYC documents and initiate loan disbursals.
Process foreclosure, part release, closure, and interest payment transactions.
Authorize transactions for disbursal, foreclosure, release and customer payments.
Maintain NPAs control through strong follow-ups for interest collections.
Plan for branch functioning and team cohesiveness; hire, coach, mentor and train staff.
Maintain quality & performance of the business and prepare reports for growth actions.
Increase gold loan business and other third-party products.
Ensure 100% process compliance at branch; maintain correct valuation & appraisal of pledged gold.

Skills

Gold loan

KYC documents

Loan disbursal

Foreclosure, part release, closure

Valuation & appraisal of gold

NPAs control / collections

Field marketing

Hiring, coaching, mentoring and培训

Asset products

7+ years of product / sales experience

Education

MBA or equivalent

Job description

Responsibilities

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