Branch Manager - Gold Loan - Mumbai - Borivali - M1-M3

Tata Capital; Thane; On-site; INR 900,000 - 1,700,000; Full time

Job summary

Tata Capital in Thane, Maharashtra is seeking a seasoned Gold Loan Branch Head to drive end-to-end branch operations, growth, and portfolio quality in a regulated environment.

You will lead the branch team, manage gold appraisal, processing, and disbursement, and build strong customer relationships while meeting monthly targets and ensuring compliance.

This role requires local market knowledge, financial acumen, and a proven track record in retail lending.

Qualifications

• Graduate degree in Commerce/Finance/Business.
• Certifications in gold appraisal or financial services preferred.
• Experience in gold loan operations preferred.

Responsibilities

• Lead end-to-end branch operations for gold loan to drive growth.
• Ensure gold appraisal, loan processing and disbursement per policy.
• Maintain regulatory compliance and risk controls.
• Build and manage a high-performing branch team.
• Monitor portfolio quality and recoveries to control NPAs.

Skills

Gold Loan Operations

Sales & Business Development

Team Leadership

Customer Relationship Management

Risk & Compliance

Financial Acumen

Local Market Understanding

Communication & Stakeholder Management

Education

Graduate in Commerce/Finance/Business

Gold appraisal/financial services certifications

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.

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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

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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

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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

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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

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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

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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

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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

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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)