Branch Manager - Gold Loans - Delhi

Aditya Birla Group; Delhi; Vor Ort; INR 1.200.000 - 1.800.000; Vollzeit

Zusammenfassung

Birla Carbon in Delhi invites applications for Branch Manager - Gold Loans. You will lead branch operations, drive new customer disbursements, and ensure growth targets are met with strong risk controls and regulatory compliance.

You will manage and coach ABM, Gold Valuer, GLO, and CSE, monitor performance, and aim for optimal ticket size, onboarding yield, and cost-efficient processes. The role also requires maintaining audit scores, ensuring branch hygiene and security, and delivering

Qualifikationen

• Minimum 5+ years in banking or financial services, with branch leadership experience.
• Strong understanding of gold loan operations and risk management.
• Proven ability to drive growth and manage collections.

Aufgaben

• 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 cost‑efficient branch operations.
• Maintain auction‑to‑book ratio.
• Ensure strict adherence to LTV, documentation quality, and purity testing protocols.
• Resolve spurious and bentex cases within defined timelines.
• Deliver resolution for 0–30 DPD bucket.
• Monitor overdue accounts and perform timely follow‑up.
• Support recovery actions as per internal guidelines.
• 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.

Jobbeschreibung

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

Branch Manager - Gold Loans - Delhi

Designation : Manager

Job Description

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

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.

Team Leadership & Performance

• 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.