Branch Manager - Gold Loan - Noida - Sector 62 - M1 - M3

Tata Capital; Dadri; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Tata Capital invites applications for a Branch Manager role to lead end-to-end gold loan operations in a busy local branch. You will drive growth through customer acquisition, cross-selling, and effective team leadership, while ensuring tight risk controls and compliance.

The role emphasizes strong customer service, portfolio quality, and profitability within regulatory guidelines. The candidate will manage on-site operations, appraisal, loan processing, and daily cash, building relationships

Qualifications

• Graduate with preferred Commerce/Finance/Business.
• Gold appraisal or financial services certifications preferred.
• Strong understanding of local market and customer segments.

Responsibilities

• Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling.
• Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility.
• Achieve monthly targets for loan disbursement, revenue, and profitability.
• 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.

Skills

Gold Loan Operations

Sales & Business Development

Team Leadership

Customer Relationship Management

Risk & Compliance

Financial Acumen

Local Market Knowledge

Communication & Stakeholder Management

Education

Bachelor’s degree in Commerce/Finance/Business

Gold appraisal or financial services certifications (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.

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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)