Branch Manager - Gold Loan - Thane - Pinak Galaxy - M1 - M3

Tata Capital; Thane; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Tata Capital is seeking a Branch Operations Lead for a Gold Loan branch in Maharashtra. You will manage end-to-end operations, drive portfolio growth, ensure regulatory compliance and deliver superior customer experiences.

The role requires strong leadership, local market insights, and the ability to optimize credit appraisal, risk controls, and cost efficiency while achieving monthly targets.

Qualifications

• Graduate degree in a relevant field with a preference for Commerce/Finance/Business.
• Certifications in gold appraisal or financial services are preferred.
• Experience in gold loan operations and branch management is advantageous.

Responsibilities

• Lead end-to-end branch operations for a Gold Loan unit.
• Drive portfolio growth through local sourcing, walk-ins, and cross-selling.
• Ensure regulatory compliance, risk controls, and audit readiness.
• Deliver high-quality customer service and manage customer escalations.
• Coach and develop branch staff to achieve targets and maintain performance.
• Monitor loan processing, appraisal, disbursement, and portfolio quality.

Skills

Gold Loan Operations

Sales & Business Development

Team Leadership

Customer Relationship Management

Risk & Compliance Orientation

Financial Acumen

Local Market Understanding

Communication & Stakeholder Management

Education

Graduate (Commerce / Finance / Business)

Gold appraisal or 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.

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)