Branch Manager - Gold Loans - Vishwas Nagar

Aditya Birla Insulators; Anantapuram; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Aditya Birla Insulators in India invites a results‑oriented branch professional to lead growth initiatives and profitability across lending, collections, and service delivery.

You will target new CUID creation, drive disbursements, manage yield and costs, ensure quality documentation, and uphold compliance and audit standards.

The role emphasizes customer service, branch hygiene and security, and people leadership to coach and motivate the team toward branch benchmarks.

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

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

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.