Branch Manager - Gold Loans - Ghaziabad - Sanjay Nagar

Birla Carbon; Ghaziabad District; On-site; INR 1,400,000 - 2,400,000; Full time

Job summary

Aditya Birla Group in Ghaziabad invites applications for a Branch Manager - Gold Loans at Sanjay Nagar. You will lead branch growth, risk management, and governance while driving high service quality and secure operations.

The role emphasizes new customer acquisition, loan disbursements, yield optimization, collections, and strict compliance with internal guidelines. You will coach and develop the daily performance of ABM teams for sustained branch success.

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 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
• Discover more about life at Aditya Birla Group

Job description

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

Branch Manager - Gold Loans - Ghaziabad - Sanjay Nagar

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