Branch Manager - Gold Loan Sales

Tata Capital Finance Ltd; Chengalpattu; On-site; INR 700,000 - 1,200,000; Full time

Job summary

Tata Capital Finance Ltd in Chengalpattu seeks a Branch Manager for Gold Loan - Sales. The role focuses on growing the gold loan portfolio, steering local marketing efforts, and achieving branch targets while ensuring compliance and quality service.

Responsibilities include managing branch operations, risk controls, customer relationship management, and team development to drive revenue and profitability within the local catchment.

Qualifications

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

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.
• Achieve monthly targets for loan disbursement, revenue, and profitability.
• Identify new business opportunities within the catchment area.
• Oversee daily branch operations and ensure smooth functioning.
• Monitor cash management, documentation, and audit readiness.
• Maintain regulatory compliance and risk controls.
• Build strong customer relationships and resolve queries.
• Lead, train, and motivate branch staff to achieve goals.
• Track branch performance vs targets and report to leadership.

Skills

Gold Loan Ops

Sales & BD

Team Leadership

CRM

Risk & Compliance

Financial Acumen

Market Understanding

Communication

Education

Bachelor's degree in Commerce/Finance/Business

Job description

Branch Manager - Gold Loan - Sales - Chengalpattu - T K M Road - (M1-M3)

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)