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

Tata Capital; Jamnagar; On-site; INR 600,000 - 900,000; Full time

Job summary

Tata Capital in Jamnagar, Gujarat, seeks a Branch Manager to lead a Gold Loan branch end-to-end, driving growth, risk control, and an exceptional customer experience. You will supervise appraisals, disbursement, and operations while ensuring regulatory compliance and strong team performance.

Ideal candidates will have a graduate degree in Commerce/Finance/Business with gold appraisal or related certifications, and a track record in local market growth and customer relationship management.

Qualifications

• Graduate in Commerce/Finance/Business; gold appraisal or financial services certifications preferred.
• Experience in Gold Loan operations, appraisal, and disbursement preferred.

Responsibilities

• Lead, drive and grow Gold Loan portfolio through branch activities and local sourcing.
• Oversee daily branch operations, gold appraisal, loan processing, and disbursement per policies.
• Monitor cash management, documentation, and audit readiness.
• Maintain regulatory compliance and internal controls.
• Build strong customer relationships and drive repeat business.
• Handle escalations and ensure high customer satisfaction.
• Lead, train and motivate branch staff; conduct regular team meetings.
• Manage staffing, onboarding and performance reviews.
• Ensure portfolio quality, monitor overdue accounts and control NPAs.
• Track branch profitability, costs, and operating metrics.
• Share branch performance reports with leadership and track against targets.

Skills

Gold Loan Operations

Sales & Business Development

Team Leadership

Customer Relationship Management

Risk & Compliance Orientation

Financial Acumen

Local Market Understanding

Communication & Stakeholder Management

Education

Graduate (Commerce / Finance / Business)

Gold appraisal or financial services certifications (preferred)

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

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

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

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

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

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

Financial & Cost Management

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

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)