Branch Manager - Mahuva

Birla Carbon; Mahuva; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Birla Carbon in Mahuva seeks an experienced Branch Manager – Gold Loans to lead the frontline team, drive disbursements, and acquire new customers while ensuring portfolio quality and regulatory compliance.

The role emphasizes accurate gold valuation, loan structuring within LTV norms, and strict documentation, alongside audit readiness and governance to support branch growth and customer service excellence.

Qualifications

• Lead frontline team to achieve disbursement and acquisition targets.
• Ensure RBI compliance, risk processes, and audit readiness.
• Maintain portfolio quality with strict documentation and valuations.

Responsibilities

• Drive branch growth and new customer acquisition, achieving targets.
• Oversee gold valuation, loan structuring within LTV norms, and documentation.
• Monitor delinquencies, collections, and risk metrics with governance.
• Coach and supervise ABM, Gold Valuer, GLO, and CSE; ensure productivity.

Skills

Leadership

Team management

Customer focus

Risk management

Regulatory compliance

Education

Bachelor's degree in Banking/Finance

Job description

Branch Manager - Mahuva

Job Description:

The Branch Manager – Gold Loans is responsible for driving branch-level business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational governance.

Dimensions:

• New Relationship – Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.
• Managing Existing Relationship – Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management.
• Structuring new Transactions – Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions.
• Compliance of regulatory guidelines – Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.
• Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric.

Key Result Areas:

• 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.

Job Purpose of Direct Reports:

• Assistant Branch Manager: Support branch business operations, supervise frontline staff, and drive daily productivity.
• Manager – Gold Valuation: Ensure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.
• Gold Loan Officer: Acquire customers, drive disbursement, manage renewals, and maintain documentation accuracy.
• Customer Service Executive: Deliver superior customer experience, manage service transactions, and support branch operations.

Relationships:

Internal

Regional / Cluster Heads

Daily

Business planning, target reviews, risk, productivity, and governance discussions.

IT Team

Weekly / Need‑based

System issues, process enhancements, user support.

Marketing Team

Weekly / Fortnightly

Local campaigns, lead generation, customer engagement programs.

Risk, Policy, Audit, Compliance, HR

Weekly / Need‑based

Escalations, deviations, training needs, audit observations, hiring support.

External

Customers

Need‑based

Vendors / Security Partners

Need‑based

Vault security, system maintenance, operational support.

Local Influencers / Community Stakeholders

Need‑based

Acquisitions, outreach, local awareness building.