Branch Manager-Gold Loan-Shikohabad, Agra

Birla Carbon; Agra District; On-site; INR 700,000 - 900,000; Full time

Benefits offered by this job

Performance bonuses

Health insurance

Career development opportunities

Job summary

Birla Carbon seeks a Branch Manager for Gold Loans in Shikohabad, Agra District. This key role is responsible for driving branch-level performance, ensuring compliance with RBI norms, and delivering a superior customer experience. The ideal candidate will have experience in financial services, particularly in gold loans, and demonstrate exceptional leadership skills.

The role entails managing a team to achieve business targets while ensuring operational governance and maintaining strong relationships with customers and community stakeholders. A Bachelor's degree in finance or related field is preferred.

Qualifications

• Proven experience in branch management or financial services.
• Strong understanding of gold loan operations.
• Excellent interpersonal and communication skills.

Responsibilities

• Drive branch performance and ensure compliance with guidelines.
• Supervise and motivate staff to achieve business goals.
• Build and maintain relationships with local customers.

Skills

Customer acquisition

Gold valuation

Risk management

Team leadership

Education

Bachelor's degree in finance or related field

Tools

CRM Software

Gold valuation tools

Job description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Branch Manager – Gold Loan, Shikohabad, Agra

Designation :

Job Description

1) Job Purpose The Branch Manager – Gold Loans is responsible for driving branch-level business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational governance.

2) Dimensions

• New Relationship – Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.
• Managing Existing Relationship – Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management.
• Structuring new Transactions – Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions.
• Compliance of regulatory guidelines – Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.
• Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric.

3) Job Context & Major Challenges

• Organization Context – Aditya Birla Capital Limited ("NBFC") is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company. ABCL is one of the top private diversified NBFCs in India, with a pan-India presence and a lending book of approximately Rs. 139,500 Crores (as of 31‑Sep’25). ABCL offers end‑to‑end lending solutions to a diverse set of customers across retail, HNI, MSMEs, and mid‑to‑large corporates, including a wide array of secured and unsecured products.
• Business Context – Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and customer trust management.
• Job Context – The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational governance. The role balances growth, yield optimization, and compliance while managing a small but high‑impact team and ensuring branch‑level risk controls.

Key responsibilities include:

• Achieving aggressive customer acquisition, disbursement, and tonnage growth in competitive local markets.
• Maintaining strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.
• Ensuring timely closure of spurious/bentex cases and minimizing auction‑to‑book ratio.
• Driving collection resolutions for 0–30 DPD while preventing slippages.
• Ensuring branch audit scores >90% with zero tolerance deviations.
• Delivering consistent customer experience in a high‑sensitivity product category.
• Motivating and developing frontline staff for continuous sales and service productivity.

4) Key Result Areas

• Business Growth & Acquisition – Achieve targets for new CUID creation; drive new customer disbursements as per percentile role benchmarks; ensure net growth and tonnage growth in line with branch plan.
• Yield & Profitability Management – Achieve onboarding yield benchmarks; drive optimal ticket size, renewal mix, and repeat customer engagement; ensure cost‑efficient branch operations.
• Portfolio Quality & Risk Management – Maintain auction‑to‑book ratio; ensure strict adherence to LTV, documentation quality, and purity testing protocols; resolve spurious and bentex cases within defined timelines.
• Collections & Delinquency Management – Deliver resolution for 0–30 DPD bucket; monitor overdue accounts and perform timely follow‑up; support recovery actions per internal guidelines.
• Compliance, Audit & Governance – Achieve audit score as defined, ensure closure of audit findings; maintain zero‑tolerance on operational deviations and regulatory breaches; ensure accuracy in process, record keeping, and vault management; maintain branch hygiene, safety, and security standards.
• Lead ABM, Gold Valuer, GLO, and CSE for daily performance; conduct coaching, on‑the‑job training, and reviews; ensure manpower productivity as per branch benchmarks.

5) Job Purpose of Direct Reports

• Assistant Branch Manager – Support branch business operations, supervise frontline staff, and drive daily productivity.
• Manager – Gold Valuation – Ensure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.
• Gold Loan Officer – Acquire customers, drive disbursement, manage renewals, and maintain documentation accuracy.
• Customer Service Executive – Deliver superior customer experience, manage service transactions, and support branch operations.

6) Relationships

Internal

• Regional / Cluster Heads – Daily: Business planning, target reviews, risk, productivity, and governance discussions.
• IT Team – Weekly / Need‑based: System issues, process enhancements, user support.
• Marketing Team – Weekly / Fortnightly: Local campaigns, lead generation, customer engagement programs.
• Risk, Policy, Audit, Compliance, HR – Weekly / Need‑based: Escalations, deviations, training needs, audit observations, hiring support.

External

• Customers – Need‑based.
• Vendors / Security Partners – Need‑based: Vault security, system maintenance, operational support.
• Local Influencers / Community Stakeholders – Need‑based: Acquisitions, outreach, local awareness building.