Branch Manager-Gold Loan-Civil Lines, Ba...

PeopleStrong; Bareilly; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Aditya Birla Capital Limited (ABCL) is seeking a Branch Manager for Gold Loans in Bareilly. The role drives branch performance, ensures regulatory compliance, and delivers superior customer experience while managing a frontline team. Focus areas include disbursements, new customer acquisition, yield, and portfolio quality.

You will lead staff such as ABM, Gold Valuer, GLO, and CSE, ensuring productivity, risk control and timely closures of regulatory and operational norms.

Qualifications

• Must have graduate degree and domain knowledge in retail banking or gold loans.
• Experience in a branch leadership role preferred.

Responsibilities

• Drive branch-level performance while ensuring compliance with RBI norms and audit standards.
• Build strong relationships with local customers, partners and authorities to drive acquisition.
• Ensure accurate gold valuation, loan structuring within LTV norms and proper documentation for new/renewal transactions.
• Monitor delinquencies, yield, and branch growth metrics to achieve targets.
• Lead and develop frontline staff to sustain sales and service productivity.

Skills

Graduate

Job description

Branch Manager-Gold Loan-Civil Lines, Ba...

Branch Manager-Gold Loan-Civil Lines, Ba...

ABG110206

• Financial Services
• Uttar Pradesh

Posted On 19 Aug 2026

End Date 15 Feb 2027

Required Experience 6 - 8 years

Basic Section

No. Of Position 1

Grade 11

Level NA

Organisational

DEPARTMENT-1 Retail - Gold Loan

Country India

Worksite City Station Road, Bareilly

Skills

Skill

Graduate

CERTIFICATION

Job Description

1) Job Purpose:

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.

2) Dimensions:

New Relationship

Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.

Managing Existing Relationship

Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management

Structuring new Transactions

Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions

Compliance of regulatory guidelines

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 metric

3) Job Context & Major Challenges:

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.

ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.

ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

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

4) Key Result Areas:

Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

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