Branch Manager - Gold Loans - Noida

Birla Carbon; Hinoba-an; On-site; PHP 796,000 - 1,061,000; Full time

Job summary

Birla Carbon in Noida seeks an experienced Branch Manager - Gold Loans to drive growth, manage risk, and ensure compliant operations within the branch.

The role focuses on asset growth, on-boarding yields, and maintaining quality portfolios while coaching frontline staff and ensuring service excellence.

Responsibilities

• Achieve targets for new CUID creation and drive new customer disbursements as per benchmarks.
• Maintain auction-to-book ratio and ensure adherence to LTV, documentation quality, and purity testing protocols.
• Resolve spurious and bentex cases within defined timelines.
• Deliver 0-30 DPD resolution and monitor overdue accounts with timely follow-ups.
• Ensure audit scores and zero-tolerance on operational deviations and regulatory breaches.
• Lead daily performance of ABM, Gold Valuer, GLO, and CSE; provide coaching and training.

Job description

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

Branch Manager - Gold Loans - Noida

Designation :

Job Description:

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

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.

- Ensure high service quality, fast turnaround time, and seamless grievance resolution.
- Maintain branch hygiene, safety, and security standards.

- 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

• Discover more about life at Aditya Birla Group