Branch Manager - Retail Gold Loan - Parvatsar

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

Job summary

Aditya Birla Group is seeking a Branch Manager for Gold Loans in Parvatsar, Rajasthan. The role leads a frontline team to drive disbursement, customer growth, and service excellence while maintaining strict risk controls and governance.

You will balance growth, yield optimization, and compliance within a high-sensitivity lending environment. The position requires hands-on leadership of a small yet high-impact team, ensuring portfolio quality, audit readiness, and swift issue resolution.

Qualifications

• Experience leading a frontline sales and service team.
• Strong focus on risk, compliance and portfolio quality.
• Proven ability to achieve disbursement targets and customer growth.

Responsibilities

• Drive branch growth and new customer acquisition while achieving disbursement targets.
• Ensure strict compliance, audit readiness and governance at branch level.
• Maintain portfolio quality through vigilant valuation, documentation and risk controls.
• Lead collections and delinquency management to minimize write-offs and losses.
• Oversee branch operations, service quality, and customer experience.

Skills

Team Leadership

Gold Loans

Customer Service

Risk Management

Job description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Branch Manager - Retail Gold Loan - Parvatsar

Location: India – Rajasthan – Kuchaman City

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

Business Growth & Acquisition

• Achieve targets for new CUID creation.
• Drive new customer disbursements 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 per internal guidelines.

Compliance, Audit & Governance

• Achieve audit score as defined, ensuring closure of audit findings.
• Maintain zero‑tolerance on operational deviations and regulatory breaches.
• Ensure accuracy in process, record keeping, and vault management.
• Maintain high service quality, fast turnaround time, and seamless grievance resolution.
• Maintain branch hygiene, safety, and security standards.

Team Leadership & Development

• 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.

Operational Context

Organization Context

Aditya Birla Capital Limited (ABCL) is a Systemically Important Non‑Deposit Accepting NBFC registered with RBI. As of 31‑Sep‑25, ABCL has a pan‑India presence with a lending book of approximately Rs. 139,500 Crores. ABCL offers end‑to‑end lending solutions across multiple sectors and has been rated “AAA” by India Ratings, ICRA and CARE.

Business Context

Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and customer trust management.

Job Context

The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational governance. The role balances growth, yield optimisation, and compliance while managing a small but high‑impact team and ensuring branch‑level risk controls.

• Achieving aggressive customer acquisition, disbursement and tonnage growth in competitive local markets.
• Maintaining strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.
• Ensuring timely closure of spurious/bentex cases and minimizing auction‑to‑book ratio.
• Driving collection resolutions for 0–30 DPD while preventing slippages.
• Ensuring branch audit scores >90% with zero tolerance deviations.
• Delivering consistent customer experience in a high‑sensitivity product category (emotional asset).
• Motivating and developing frontline staff for continuous sales and service productivity.

Relationships

Internal Relationships

• 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 Relationships

• Customers – Need‑based customer interactions and service delivery.
• Vendors / Security Partners – Need‑based vault security, system maintenance, operational support.
• Local Influencers / Community Stakeholders – Need‑based acquisitions, outreach, local awareness building.

Roles and Responsibilities 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.