Branch Manager - Retail Gold Loan - Barmer

Aditya Birla Group; Barmer; On-site; INR 600,000 - 900,000; Full time

Job summary

Birla Carbon is looking for a Branch Manager in Barmer to oversee our Retail Gold Loan operations. The successful candidate will lead business performance, ensuring compliance with RBI norms and delivering a superior customer experience.

This role involves building relationships with local customers, supervising branch staff, and maintaining portfolio quality. Key responsibilities include driving customer acquisition, managing risk, and achieving growth targets while maintaining high service quality.

Qualifications

• Strong leadership skills with experience in managing branch operations.
• Understanding of gold loans and valuation processes.
• Proven ability to build and maintain customer relationships.

Responsibilities

• Lead branch business performance and ensure compliance.
• Drive aggressive customer acquisition and tonnage growth.
• Maintain strict adherence to audit scores and operational processes.

Skills

Customer relationship building

Team leadership

Gold valuation

Compliance with RBI norms

Risk management

Operational efficiency

Job description

Branch Manager – Retail Gold Loan – Barmer

Designation: Branch Manager – Retail Gold Loan

Location: Maa Santoshi Tower, Barmer, Rajasthan, India

Job Purpose: The Branch Manager – Gold Loans leads branch-level business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality.

• New Customer Relationship – Build strong relationships with local customers and partners to drive acquisition.
• Managing Existing Relationship – Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance.
• Structuring New Transactions – Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation.
• Compliance – Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, audit standards.

Job Context & Major Challenges

Gold loans require high volume, fast turnaround with strict discipline in risk, valuation, purity testing and trust management. The Branch Manager must balance growth, yield optimization, compliance, and risk controls while operating in competitive local markets.

• Achieve aggressive customer acquisition and tonnage growth.
• Maintain strict LTV, gold purity compliance, and accurate valuation amid price fluctuations.
• Ensure timely closure of spurious/bentex cases.
• Drive collection resolutions for 0–30 DPD.
• Maintain audit scores >90% with zero tolerance deviations.
• Deliver consistent customer experience.
• Motivate and develop frontline staff.

Key Result Areas

• Business Growth & Acquisition: Achieve targets for new CUID creation and new customer disbursements; ensure net growth and tonnage in line with branch plan.
• Yield & Profitability Management: Achieve onboarding yield benchmarks; drive optimal ticket size, renewal mix, and repeat engagement; ensure cost‑efficient operations.
• Portfolio Quality & Risk Management: Maintain auction‑to‑book ratio and LTV adherence; ensure documentation quality and purity testing; resolve spurious and bentex cases timely.
• Collections & Delinquency Management: Deliver resolution for 0–30 DPD; monitor overdue accounts; support recovery actions.
• Compliance, Audit & Governance: Achieve defined audit score and close findings; maintain zero‑tolerance operational deviations; ensure process accuracy.
• Service Quality & Staff Development: Maintain high service quality, fast turnaround, grievance resolution; ensure branch hygiene and safety; lead staff training and reviews; drive productivity.

Job Purpose of Direct Reports

• Assistant Branch Manager – Supports operations, supervises frontline staff, drives daily productivity.
• Manager – Gold Valuation – Ensures accurate valuation, purity checks, risk adherence, and secure handling of gold assets.
• Gold Loan Officer – Acquires customers, drives disbursement, manages renewals, maintains documentation accuracy.
• Customer Service Executive – Delivers superior customer experience, manages service transactions, supports operations.