Branch Manager - Gold Loans

Aditya Birla Insulators; Faridabad District; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Aditya Birla Insulators is seeking a Branch Leadership role in Haryana to drive growth, profitability, and risk management across key functions. You will oversee daily operations, coaching of front-line teams, and ensure high service quality while maintaining branch safety standards.

The role emphasizes disciplined governance, process accuracy, and proactive collections & recovery actions to meet branch targets.

Responsibilities

• 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.
• Achieve onboarding yield benchmarks.
• Drive optimal ticket size, renewal mix, and repeat customer engagement.
• Ensure costefficient branch operations.
• Maintain auctiontobook ratio.
• Ensure strict adherence to LTV, documentation quality, and purity testing protocols.
• Resolve spurious and bentex cases within defined timelines.
• Deliver resolution for 030 DPD bucket.
• Monitor overdue accounts and perform timely followup.
• Support recovery actions as per internal guidelines.
• Achieve audit score as defined, ensure closure of audit findings.
• Maintain zerotolerance on operational deviations and regulatory breaches.
• Ensure accuracy in process, record keeping, and vault management.
• Ensure high service quality, fast turnaround time, and seamless grievance resolution.
• Maintain branch hygiene, safety, and security standards.
• Lead ABM, Gold Valuer, GLO, and CSE for daily performance.
• Conduct coaching, onthejob training, and reviews.
• Ensure manpower productivity as per branch benchmarks

Job description

Key Result Areas

Supporting Actions

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 costefficient branch operations.

Portfolio Quality Risk Management

• Maintain auctiontobook 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 030 DPD bucket.
• Monitor overdue accounts and perform timely followup.
• Support recovery actions as per internal guidelines.

Compliance, Audit Goverce

• Achieve audit score as defined, ensure closure of audit findings.
• Maintain zerotolerance on operational deviations and regulatory breaches.
• Ensure accuracy in process, record keeping, and vault management.

Customer Service Branch Experience

• Ensure high service quality, fast turnaround time, and seamless grievance resolution.
• Maintain branch hygiene, safety, and security standards.

People Leadership Productivity

• Lead ABM, Gold Valuer, GLO, and CSE for daily performance.
• Conduct coaching, onthejob training, and reviews.
• Ensure manpower productivity as per branch benchmarks