Branch Manager - Gold Loan - Delhi - Uttam Nagar Part 02 - M1-M3

Tata Capital; Gurgaon; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Tata Capital invites a proactive Branch Manager to lead end-to-end Gold Loan operations in Gurgaon. You will drive portfolio growth, oversee appraisal, processing, and disbursement, and ensure strict regulatory compliance while delivering excellent customer service.

You will mentor staff, implement local marketing plans, achieve monthly targets, manage risk, and optimize branch profitability and reporting to regional leadership.

Qualifications

• Experience in managing Gold Loan operations and appraisal.
• Proven ability to drive sales and branch growth.
• Strong leadership and team management skills.
• Good understanding of regulatory guidelines and risk controls.

Responsibilities

• Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiatives
• Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility
• Achieve monthly targets for loan disbursement, revenue, and profitability
• Identify new business opportunities within the catchment area
• Oversee daily branch operations ensuring smooth and efficient functioning
• Ensure proper gold appraisal, loan processing, and disbursement as per company policies
• Monitor cash management, documentation, and audit readiness
• Maintain adherence to regulatory requirements, internal controls, and compliance standards
• Build strong customer relationships to drive repeat business and referrals
• Ensure high-quality service delivery and resolution of customer queries
• Handle escalations and ensure customer satisfaction levels are consistently high
• Lead, train, and motivate branch staff to achieve performance goals
• Conduct regular team meetings to align on targets and performance expectations
• Drive a high-performance culture through coaching, mentoring, and feedback
• Manage staffing, onboarding, and performance reviews
• Ensure quality of gold loan portfolio with strong focus on risk mitigation
• Monitor overdue accounts, initiate recovery actions, and control NPAs
• Ensure accurate assessment of gold collateral and fraud prevention
• Monitor branch profitability, cost control, and resource allocation
• Track key financial metrics including yield, cost-to-income ratio, and operating expenses
• Maintain accurate records of branch performance (business, operations, collections)
• Share periodic reports with regional/zonal leadership
• Track and analyze branch performance vs targets

Skills

Gold Loan Operations & Appraisal

Sales & Business Development

Team Leadership & People Management

Customer Relationship Management

Risk & Compliance Orientation

Financial Acumen & Analytical Skills

Strong Local Market Understanding

Communication & Stakeholder Management

Education

Graduate (preferred: Commerce / Finance / Business)

Certifications in gold appraisal or financial services (preferred)

Job description

Job Description:

Role Purpose

To lead and manage the end-to-end operations of a Gold Loan branch, driving business growth, ensuring operational excellence, maintaining portfolio quality, and delivering superior customer experience while adhering to regulatory and risk guidelines.

________________________________________

Key Responsibilities

1. Business Delivery & Growth

• Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiatives
• Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility
• Achieve monthly targets for loan disbursement, revenue, and profitability
• Identify new business opportunities within the catchment area

________________________________________

2. Branch Operations Management

• Oversee daily branch operations ensuring smooth and efficient functioning
• Ensure proper gold appraisal, loan processing, and disbursement as per company policies
• Monitor cash management, documentation, and audit readiness
• Maintain adherence to regulatory requirements, internal controls, and compliance standards

________________________________________

3. Customer Experience & Relationship Management

• Build strong customer relationships to drive repeat business and referrals
• Ensure high-quality service delivery and resolution of customer queries
• Handle escalations and ensure customer satisfaction levels are consistently high

________________________________________

4. Team Management & Capability Building

• Lead, train, and motivate branch staff to achieve performance goals
• Conduct regular team meetings to align on targets and performance expectations
• Drive a high-performance culture through coaching, mentoring, and feedback
• Manage staffing, onboarding, and performance reviews

________________________________________

5. Portfolio Quality & Risk Management

• Ensure quality of gold loan portfolio with strong focus on risk mitigation
• Monitor overdue accounts, initiate recovery actions, and control NPAs
• Ensure accurate assessment of gold collateral and fraud prevention

________________________________________

6. Financial & Cost Management

• Monitor branch profitability, cost control, and resource allocation
• Track key financial metrics including yield, cost-to-income ratio, and operating expenses

________________________________________

7. Reporting & MIS

• Maintain accurate records of branch performance (business, operations, collections)
• Share periodic reports with regional/zonal leadership
• Track and analyze branch performance vs targets

________________________________________

Key Skills & Competencies

• Gold Loan Operations & Appraisal
• Sales & Business Development
• Team Leadership & People Management
• Customer Relationship Management
• Risk & Compliance Orientation
• Financial Acumen & Analytical Skills
• Strong Local Market Understanding
• Communication & Stakeholder Management

Educational Qualification

• Graduate (preferred: Commerce / Finance / Business)
• Certifications in gold appraisal or financial services (preferred)