Branch Manager - Retail Gold Loan - Kishangarh

Aditya Birla Group; Kishangarh; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Birla Carbon is seeking a Branch Manager - Retail Gold Loan for their Kishangarh location. The successful candidate will be responsible for driving business performance and ensuring compliance while leading a dedicated team to achieve targets in customer acquisition, yield, and portfolio quality.

Key responsibilities include supervising branch staff, building client relationships, and adhering to RBI norms. The ideal candidate will have a strong understanding of risk management and operational governance.

Qualifications

• Proven experience in retail banking or financial services, ideally in gold loans.
• Strong leadership skills to manage and motivate a team.
• Ability to maintain compliance and manage risk effectively.

Responsibilities

• Drive branch-level business performance and ensure compliance.
• Lead and supervise a team focused on business growth and customer acquisition.
• Build client relationships with local stakeholders and manage portfolio quality.

Skills

Business performance management

Customer relationship management

Team leadership

Compliance and governance knowledge

Risk management

Job description

Branch Manager - Retail Gold Loan - Kishangarh

Job Purpose: 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

• Lead the frontline team to reach disbursement, new customer acquisition, yield, audit, collections, and risk KPIs.
• Ensure branch-level business performance and portfolio quality consistent with compliance and governance standards.
• Build strong client relationships with local customers, partners, authorities, and community influencers to drive acquisition.
• Supervise and cultivate branch staff (ABM, Gold Valuer, GLO, CSE) for productivity and performance management.
• Validate gold valuation, structure loans within LTV norms, and prepare accurate documentation for new and renewal transactions.
• Guarantee 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 metrics.
• Ensure zero‑tolerance for operational deviations and regulatory breaches.

Key Result Areas

• Business Growth & Acquisition: Achieve targets for new CUID creation, drive new customer disbursements as per 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, maintain cost‑efficient branch operations.
• Portfolio Quality & Risk Management: Maintain auction‑to‑book ratio, strict LTV adherence, documentation quality, purity testing protocols, and resolve spurious and bentex cases within defined timelines.
• Collections & Delinquency Management: Deliver resolution for 0–30 DPD bucket, monitor overdue accounts, follow up timely, and support recovery actions.
• Compliance, Audit & Governance: Achieve audit score as defined, close audit findings, maintain zero‑tolerance operational deviations, ensure accurate record‑keeping and vault management.

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.