Branch Manager - Gold Loans - Trinagar

Birla Carbon; Delhi; On-site; INR 600,000 - 900,000; Full time

Job summary

Aditya Birla Group, Delhi, invites applications for a Branch Manager – Gold Loans at Trinagar. You will lead branch operations, drive growth in gold loan disbursements, manage risk, ensure regulatory compliance, and coach staff for optimal performance.

The role demands strong leadership, customer focus, and the ability to achieve targets while maintaining service quality and governance standards. This position offers accountability for P&L, process hygiene, and seamless grievance redressal, with

Qualifications

• Experience in gold loan operations and branch banking.
• Ability to lead a team and drive business growth.
• Strong risk, compliance and customer service mindset.

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 and adherence to LTV, documentation quality.
• Resolve spurious and bentex cases within defined timelines.
• Deliver resolution for 0–30 DPD bucket and monitor overdue accounts.
• Support recovery actions as per internal guidelines.
• Achieve audit score, close audit findings and ensure governance standards.
• Lead ABM, Gold Valuer, GLO, and CSE for daily performance.

Skills

Leadership

Branch ops

Gold loans

Customer acquisition

Risk management

Compliance

Education

MBA/PGDM

Job description

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

Branch Manager - Gold Loans - Trinagar

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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