Branch Manager - Gold Loans - Ghaziabad

Aditya Birla Group; Ghaziabad District; In loco; INR 600.000 - 1.000.000; Tempo pieno

Descrizione del lavoro

Birla Carbon is seeking a Branch Manager for Gold Loans in Ghaziabad. The successful candidate will be responsible for achieving targets in customer acquisition and managing branch operations effectively.

This role demands strong leadership for team productivity and adherence to compliance standards. Candidates should have proven experience in branch management and a commitment to service quality.

Competenze

• Proven experience in branch management with a focus on gold loans.
• Strong leadership abilities for team management and training.

Mansioni

• Achieve targets for new CUID creation and customer disbursements.
• Maintain portfolio quality and manage risk effectively.
• Lead the team for performance and ensure service quality.

Descrizione del lavoro

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

Branch Manager - Gold Loans - Ghaziabad

Designation:

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.

Service Quality & Operations

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

Leadership & Team Management

• 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.