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

Tata Capital; Thane; Sur place; INR 600 000 - 900 000; Plein temps

Résumé du poste

Tata Capital is seeking a dynamic professional to lead the end-to-end operations of a Gold Loan branch in Maharashtra. You will drive growth, ensure operational excellence, and maintain portfolio quality while adhering to regulatory guidelines.

Key responsibilities include branch-level sales, customer relationship management, team leadership, and risk management to deliver superior customer experiences and branch profitability.

Qualifications

• Graduate with Commerce/Finance/Business background required or preferred.
• Gold appraisal or financial services certifications preferred.
• Experience in gold loan operations and branch sales is desirable.

Responsabilités

• Lead end-to-end operations of a Gold Loan branch to drive growth and ensure compliance.
• Drive portfolio growth via branch walk-ins, local sourcing and cross-selling.
• Oversee daily branch operations including gold appraisal, loan processing, and disbursement.
• Monitor cash management, documentation, and audit readiness while ensuring regulatory adherence.
• Build and maintain strong customer relationships to drive repeat business and referrals.
• Lead, coach and develop branch staff to achieve performance targets and maintain high service levels.
• Monitor portfolio quality, manage NPAs, and implement risk controls and fraud prevention.

Connaissances

Gold Loan Operations

Sales & Business Development

Team Leadership

Customer Relationship Management

Risk & Compliance Orientation

Financial Acumen & Analytical Skills

Local Market Understanding

Communication & Stakeholder Management

Formation

Graduate (Commerce/Finance/Business)

Gold appraisal/financial services certifications (preferred)

Description du poste

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
• 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)