Branch Manager - Gold Loans - Devli Khanpur

Aditya Birla Capital; Delhi; Sur place; INR 800 000 - 1 200 000; Plein temps

Résumé du poste

Aditya Birla Capital in Delhi is seeking a results-driven branch performance leader to drive new customer disbursements and ensure growth targets align with the branch plan.

The role covers portfolio quality, risk management, collections, compliance, customer service, and people leadership across ABM, Gold Valuer, GLO, and CSE to achieve daily performance and high service standards.

Responsabilités

• 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

Description du poste

• Drive new customer disbursements as per percentile role benchmarks.
• Ensure net growth and tonnage growth in line with branch plan.

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.

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