Hiring - Branch Manager - Gold Loan - Delhi Ncr!

IHFL; Delhi; On-site; INR 600,000 - 1,200,000; Full time

Job summary

IHFL is hiring for upcoming gold loan branches across Delhi NCR locations. You will lead business development, drive targets, and manage branch operations with a focus on profitability and AUM growth.

Experience: 4–8 years in GL/NBFC/banking and at least 1 year in team leadership, plus solid knowledge of gold loan processes and risk norms. Responsibilities include planning campaigns to generate leads, supervising loan appraisal and processing, ensuring KYC compliance, audits, and asset security,

Qualifications

• 4–8 years of experience in GL, NBFC, retail lending or banking.
• Minimum 1 year of experience in team handling.
• Strong knowledge of gold loan processes, valuation basics, and risk norms.

Responsibilities

• Drive branch to achieve business targets, profitability and AUM growth; ensure cross-sell and upsell of financial products.
• Monitor branch scorecard, market needs and competitor activity; lead generation and lead management.
• Recruitment, training and development; ensure statutory compliance and staff management.
• Oversee branch operations, gold appraisal, loan processing and asset safeguarding; ensure audits and data accuracy.

Skills

Gold loan process

Team leadership

Banking/ NBFC

Risk management basics

Job description

We Are Hiring for Our Upcoming Gold Loan Branches in Delhi Ncr at the Following Locations:

• Bhangel, Noida
• Gurgaon-Sec-14
• Gurgaon-Sec-3
• Khanpur
• Kirari-Delhi
• Laxmi Nagar Delhi
• Maujpur Delhi
• Meerut
• Noida
• Sec-18 Noida
• Sec-31 Gurgaon
• Sohna Road Badshapur

Key Responsibilities

1. Business development

• Driving Business: Drive branch to achieve Business Targets. Profitability and AUM targets M-O-M & FY; ensure cross-sell and upsell of financial products where applicable.
• Daily monitoring of critical parameters of Branch Score Card and Identify and assess market needs, market potential and competitor activities
• Lead Generation: Plan and drive marketing campaigns or activities for branch to generate leads; ensure updation in Lead management module and effective follow up and conversion.
• Accountability: Responsible for business disbursal/transaction numbers/values and AUM targets; Responsibility for cross selling targets

2. Operations

• Manage overall branch operations and ensure smooth day-to-day functioning.
• Ensure accurate gold appraisal, valuation, and loan processing as per company policies.
• Verify and safeguard pledged gold ornaments and branch assets.
• Conduct regular stock audits and reconciliation of gold packets and documents.
• Regulatory Compliance: Guide and ensure proper conduct of matters relating to Credit Assessment, KYC Adherence, Auction, Expense Management, Key Management, Bank Account Opening, Data Backup, Maintenance of Records / Documents / Registers, Closure of Gold Inspection/Audit Remarks and Customer Grievance Redressal within the agreed TAT.
• Collection Management: Ensure timely interest collection by branch and recovery of over dues as per targets, guiding branch to minimize NPA status of accounts as well as auction.
• Asset Quality and Fraud Management: Guide branch to ensure quality of the Assets / Collaterals / Ornaments pledged; take remedial actions for loss due to Spurious / Low Purity / theft ornaments & initiate efforts for recovery.

3. Manpower

• Recruitment: Completion of Branch Manning as per the prescribed TAT
• Training and Development: Identify training requirements and accordingly facilitate training in product, process and procedures for branch staff
• Statutory Requirements: To monitor all Labour and Statutory norms are adhered to, ensure display of required notices and maintenance of statutory registers at branch; Shop & Establishment Registration and renewals, Contract renewals and extensions etc.

Qualifications and skills:

• 4 - 8 years of experience in GL, NBFC, Retail lending or Banking
• Minimum 1 year of experience in Team Handling role
• Strong knowledge of gold loan processes, valuation basics, and risk norms