Branch Manager - Gold Loans - NIT 1-2 Chowk

Aditya Birla Capital; Haryana; On-site; INR 600,000 - 900,000; Full time

Job summary

Aditya Birla Capital is seeking a seasoned banking professional to drive growth and acquisition targets, push new customer disbursements, and deliver net growth aligned with branch plans.

The role emphasizes yield optimization, risk management, collections, compliance, and exceptional customer service while also leading daily performance and coaching for productivity across ABM, Gold Valuer, GLO, and CSE teams.

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

Job description

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