Branch Manager-Gold Loan-Chanduali

Birla Carbon; Varanasi; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Birla Carbon is seeking a Branch Manager for its Gold Loan division in Chanduali, India. The position involves overseeing branch operations, ensuring compliance with regulatory standards, and delivering exceptional customer experiences.

The successful candidate will lead a team dedicated to driving new customer acquisitions and managing portfolios while upholding the highest standards in governance and risk management. Candidates should have a relevant degree and experience in banking or finance.

Qualifications

• Proven experience in branch banking, ideally in gold loans or secured lending.
• Excellent relationship management skills with the ability to engage with diverse customers.
• Strong understanding of regulatory compliance and risk management.

Responsibilities

• Drive branch-level performance and customer acquisition.
• Lead and supervise branch staff to ensure high productivity.
• Ensure compliance with RBI norms and internal policies.

Skills

Customer relationship management

Gold valuation

Compliance management

Risk assessment

Staff leadership

Education

Relevant Bachelor's degree

Tools

Internal banking systems

Compliance tracking software

Job description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Branch Manager – Gold Loan – Chanduali

Job Description

The Branch Manager – Gold Loans is responsible for driving branch-level 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 governance.

Key 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 metrics.

Organization Context

Aditya Birla Capital Limited (“NBFC”) is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31‑Sep’25, ABCL has a pan‑India presence with a lending book of approx. Rs. 139,500 Crores.

Business Context

Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and customer trust management.

Job Context

The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational governance. The role balances growth, yield optimization, and compliance while managing a small but high impact team and ensuring branch-level risk controls.

• 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 auction‑to‑book ratio.
• Driving collection resolutions for 0–30 DPD while preventing slippages.
• Ensuring branch audit scores >90% with zero tolerance deviations.
• Delivering consistent customer experience in high‑sensitivity product category (emotional asset).
• Motivating and developing frontline staff for continuous sales and service productivity.

Key Result Areas

• Business Growth & Acquisition
  • Achieve targets for new CUID creation.
  • Drive new customer disbursements as per percentile role benchmarks.
  • Ensure net growth and tonnage growth in line with branch plan.
• Yield & Profitability Management
  • Achieve onboarding yield benchmarks.
  • Drive optimal ticket size, renewal mix, and repeat customer engagement.
  • Ensure cost‑efficient branch operations.
• Portfolio Quality & Risk Management
  • Maintain auction‑to‑book ratio.
  • Ensure strict adherence to LTV, documentation quality, and purity testing protocols.
  • Resolve spurious and bentex cases within defined timelines.
• Collections & Delinquency Management
  • Deliver resolution for 0–30 DPD bucket.
  • Monitor overdue accounts and perform timely follow‑up.
  • Support recovery actions as per internal guidelines.
• Compliance, Audit & Governance
  • Achieve audit score as defined, ensure closure of audit findings.
  • Maintain zero‑tolerance on operational deviations and regulatory breaches.
  • Ensure accuracy in process, record keeping, and vault management.
  • Ensure high service quality, fast turnaround time, and seamless grievance resolution.
  • Maintain branch hygiene, safety, and security standards.
• Staff Leadership & Development
  • Lead ABM, Gold Valuer, GLO, and CSE for daily performance.
  • Conduct coaching, on‑the‑job training, and reviews.
  • Ensure manpower productivity as per branch benchmarks.

Job Purpose of Direct Reports

• Assistant Branch Manager: Support branch business operations, supervise frontline staff, and drive daily productivity.
• Manager – Gold Valuation: Ensure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.
• Gold Loan Officer: Acquire customers, drive disbursement, manage renewals, and maintain documentation accuracy.
• Customer Service Executive: Deliver superior customer experience, manage service transactions, and support branch operations.

Relationships

• Internal – Regional / Cluster Heads – Daily – Business planning, target reviews, risk, productivity, and governance discussions.
• Internal – IT Team – Weekly / Need-based – System issues, process enhancements, user support.
• Internal – Marketing Team – Weekly / Fortnightly – Local campaigns, lead generation, customer engagement programs.
• Internal – Risk, Policy, Audit, Compliance, HR – Weekly / Need-based – Escalations, deviations, training needs, audit observations, hiring support.
• External – Customers – Need-based – Query resolution, service delivery.
• External – Vendors / Security Partners – Need-based – Vault security, system maintenance, operational support.
• External – Local Influencers / Community Stakeholders – Need-based – Acquisitions, outreach, local awareness building.