Branch Manager - Retail Gold Loan - Jaipur

Birla Carbon; Jaipur; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Birla Carbon invites applications for a Branch Manager – Retail Gold Loan at Jaipur. The role leads the frontline team to drive disbursement, new customer acquisition, yield, and portfolio quality while ensuring RBI-compliant operations and strong customer experience.

You will supervise staff such as ABM, Gold Valuer, GLO, and CSE; build relationships with locals and partners; ensure proper documentation, LTV norms, and audit readiness; monitor delinquencies and branch growth with a focus on

Responsibilities

• 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 – Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.
• Monitoring – Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metrics.
• Collections & Delinquency Management – Deliver resolution for 0–30 DPD bucket, monitor overdue accounts and follow-up, support recovery actions.
• Compliance, Audit & Governance – Achieve audit score, ensure closure of findings and maintain zero-tolerance on regulatory deviations.

Job description

Branch Manager - Retail Gold Loan - Jaipur

Location: India Rajasthan International Busi cntr, Jaipur

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.

Key Responsibilities

• 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 – Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.
• Monitoring – Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metrics.

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.

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 – Service and support.
• Vendors / Security Partners – Need‑based – Vault security, system maintenance, operational support.
• Local Influencers / Community Stakeholders – Need‑based – Acquisitions, outreach, local awareness building.