Branch Manager - Gold Loans - Mohan Garden

Aditya Birla Capital; Delhi; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Aditya Birla Capital in Delhi is seeking a branch operations professional to drive new customer disbursements and ensure growth aligned with the branch plan.

The role focuses on onboarding yield, ticket size optimization, and customer engagement while maintaining strict compliance and operational standards. You will lead key channels and coach daily performance to meet branch targets.

Qualifications

• Experience in branch banking operations and sales support.
• Strong understanding of performance metrics and targets.

Responsibilities

• Drive new customer disbursements as per percentile role benchmarks.
• Ensure net growth and tonnage growth in line with branch plan.
• Achieve onboarding yield benchmarks and drive optimal ticket size, renewal mix, and repeat customer engagement.
• Maintain auction-to-book ratio and ensure purity testing protocols.
• Deliver resolution for 0–30 DPD bucket and monitor overdue accounts with timely follow-up.
• Maintain zero-tolerance on operational deviations and regulatory breaches.
• Ensure high service quality, fast turnaround time, and seamless grievance resolution.
• Lead ABM, Gold Valuer, GLO, and CSE for daily performance and conduct coaching and reviews.

Job description

• 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