Branch Manager - Gold Loans - Jawahar Co...

Aditya Birla Group; Faridabad District; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Jawahar Co in Haryana seeks a Branch Manager for Gold Loans to lead growth, collections, risk and governance functions across the branch. The role manages performance targets, coaching, and adherence to process standards, with accountability for branch results and customer experience.

The position requires leadership in lending operations, risk management, and regulatory compliance to deliver sustainable growth and profitability.

Qualifications

• Educational qualification required: Graduate.

Responsibilities

• Achieve targets for new CUID creation.
• Drive new customer disbursements as per benchmarks.
• Ensure net and tonnage growth in line with branch plan.
• Achieve onboarding yield benchmarks.
• Drive optimal ticket size and renewal mix.
• Maintain auction-to-book ratio and quality documentation.
• Resolve 0–30 DPD delinquencies within defined timelines.
• Ensure branch operations are cost-efficient and compliant with policies.

Education

Graduate

Job description

Branch Manager - Gold Loans - Jawahar Co...

ABG111698

• Financial Services
• Haryana

Posted On 09 Sep 2026

End Date 08 Mar 2027

Required Experience 6 - 10 years

Basic Section

No. Of Position 1

Grade 11

Level Manager

Organisational

DEPARTMENT-1 Retail - Gold Loan

Country India

Skills

Skill

Graduate

CERTIFICATION

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