Branch Manager - Gold Loans - Sadar

PeopleStrong; Delhi; On-site; INR 360,000 - 480,000; Full time

Job summary

PeopleStrong in India seeks a candidate for the Retail - Gold Loan department in Delhi to drive growth and ensure risk controls in branch operations.

Key duties include achieving CUID creation targets, increasing customer disbursements, managing collections (0–30 DPD), maintaining LTV adherence and documentation quality, and ensuring audit readiness.

Qualifications

• Graduate degree or equivalent.

Responsibilities

• Achieve targets for new CUID creation.
• Drive new customer disbursements as per percentile role benchmarks.
• Maintain auction-to-book ratio and ensure adherence to LTV and documentation quality.
• Deliver resolution for 0–30 DPD bucket and monitor overdue accounts.
• Ensure zero-tolerance on regulatory breaches; maintain vault and branch hygiene.

Education

Graduate

Job description

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