Branch Manager - Gold Loans - Badarpur

Birla Carbon; Faridabad District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Aditya Birla Group in Badarpur is hiring a Branch Manager for Gold Loans to lead branch performance, growth, and customer acquisition in the gold loan portfolio.

You will oversee risk and quality, collections, compliance, and daily operations, mentor staff, and ensure service excellence with timely resolutions and secure branch operations.

Responsibilities

• Business Growth & Acquisition: Achieve targets for new CUID creation.
• Yield & Profitability Management: Achieve onboarding yield benchmarks; drive optimal ticket size, renewal mix, and repeat customer engagement.
• Portfolio Quality & Risk Management: Maintain auction-to-book ratio; ensure strict adherence to LTV, documentation quality, and purity testing protocols.
• Collections & Delinquency Management: Deliver resolution for 0–30 DPD bucket; monitor overdue accounts and follow-up.
• Compliance, Audit & Governance: Achieve audit score, zero-tolerance on deviations; ensure accuracy in process and vault management.
• Service quality & operations: Ensure high service quality, fast turnaround; maintain branch hygiene, safety, and security standards.
• Leadership: Lead ABM, Gold Valuer, GLO, and CSE; conduct coaching and on-the-job training; ensure manpower productivity.

Skills

Customer acquisition

Disbursement targets

Branch operations

Audit compliance

Risk management

Staff coaching

Customer service

Job description

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

Branch Manager - Gold Loans - Badarpur

Designation :

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 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 as 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.

- 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, on‑the‑job training, and reviews.
- Ensure manpower productivity as per branch benchmarks

• Discover more about life at Aditya Birla Group