Branch Manager - Gold Loans - Shyam Nagar

Birla Carbon; Delhi; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Aditya Birla Group's Shyam Nagar branch seeks a Branch Manager - Gold Loans to drive growth in the gold loan portfolio, ensure strict risk controls, and maintain high service standards.

You will lead daily operations, coaching ABM, Gold Valuer, GLO, and CSE; focus on onboarding, yield, ticket size, and delinquency management; ensure audit and regulatory compliance. This role demands strong leadership and adherence to internal guidelines.

Qualifications

• Key Result Areas outline targets for new CUID creation and disbursements.
• Emphasis on yield, ticket size, renewal mix, and customer engagement.
• Focus on portfolio quality, risk management, and adherence to LTV and documentation standards.
• Collections and delinquency management with 0–30 DPD resolution.
• Compliance, audit and governance with zero tolerance for deviations.

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 and renewal mix.
• Ensure cost-efficient branch operations.
• Maintain auction-to-book ratio and ensure quality documentation.
• Resolve spurious and bentex cases within defined timelines.
• Deliver 0–30 DPD resolutions; monitor overdue accounts and follow-up.
• Support recovery actions per internal guidelines.
• Achieve audit scores and close audit findings; maintain zero-tolerance for breaches.
• Ensure high service quality, fast turnaround, and seamless grievance resolution.
• Lead ABM, Gold Valuer, GLO, and CSE; conduct coaching and reviews.

Job description

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

Branch Manager - Gold Loans - Shyam 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

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