Branch Manager (BM)

Supra Pacific Financial Services; Palai; On-site; PKR 2,623,000 - 3,789,000; Full time

Job summary

Supra Pacific Financial Services is seeking an experienced Branch Manager to lead sales, operations and portfolio management at our Kerala region locations. The role requires 5–9 years in NBFC/gold loan or banking with a track record in hitting targets and building client relationships.

You will oversee branch operations, ensure strict KYC/compliance, and drive cross-functional collaboration to grow the business sustainably.

Qualifications

• 5–9 years in NBFC, gold loan, or banking.
• Graduate or postgraduate degree required.
• Proven branch sales and portfolio management experience.

Responsibilities

• Achieve branch targets for gold loans and other financial products.
• Develop strategies for customer acquisition and growth.
• Generate new business through market development and referrals.
• Cross-sell and upsell financial products.
• Lead and manage the branch sales and operations team.
• Ensure KYC, documentation, and portfolio monitoring.
• Maintain compliance with regulatory guidelines and internal controls.
• Build long-term customer relationships.

Skills

Branch management

Sales

Team leadership

Customer relationship

KYC/compliance

Negotiation

Market development

Gold loan knowledge

Education

Graduate

Postgraduate

Job description

Industry: NBFC - Gold Loan Financial Services Investment

Experience: 5-9 years in NBFC, Gold Loan, Banking, or Financial Services

Education: Graduate Postgraduate

Key Responsibilities

Branch Business & Sales

• Achieve branch-level targets for gold loans, investment products, and other financial products.
• Develop and implement strategies for customer acquisition and business growth.
• Generate new business through local market development, referrals, networking, and field activities.
• Identify opportunities for cross-selling and upselling financial products.
• Monitor daily, weekly, and monthly business performance against targets.
• Develop and maintain strong relationships with key customers and local business networks.

Team Management

• Lead, motivate, and manage the branch sales and operations team.
• Allocate targets and responsibilities to team members.
• Monitor individual employee performance and provide regular guidance and coaching.
• Conduct regular team meetings and review business pipelines.
• Support recruitment, onboarding, and training of branch employees.
• Ensure discipline, productivity, and professional conduct within the branch.

Gold Loan & Portfolio Management

• Oversee the complete gold loan process from customer acquisition to disbursement, renewal, repayment, and closure.
• Ensure proper KYC, documentation, valuation, and verification procedures are followed.
• Monitor the branch loan portfolio and repayment/renewal performance.
• Track overdue accounts and coordinate with the team for timely follow-up and collection.
• Minimize portfolio risk while maintaining healthy business growth.
• Ensure proper handling, custody, and documentation of pledged gold as per company policy.

Customer Relationship Management

• Build and maintain long-term relationships with existing and prospective customers.
• Handle important customer queries and complaints and ensure timely resolution.
• Improve customer retention and generate repeat business.
• Ensure a high standard of customer service at the branch.

Operations & Compliance

• Ensure smooth day-to-day branch operations.
• Maintain accurate records, reports, and documentation.
• Ensure strict adherence to company policies, KYC/AML requirements, internal controls, and applicable regulatory guidelines.
• Coordinate with internal departments such as Credit, Operations, Audit, Collections, and HR.
• Support internal and external audits and ensure timely closure of audit observations.
• Monitor cash handling and branch security procedures in accordance with company policy.

Key Skills

• Strong leadership and team management skills.
• Excellent sales and business development capabilities.
• Good knowledge of gold loans and NBFC operations.
• Strong customer relationship management skills.
• Good communication and negotiation skills.
• Target-oriented and result-driven approach.
• Strong analytical and problem-solving abilities.
• Knowledge of KYC, documentation, and basic regulatory/compliance requirements.
• Good knowledge of the local market and customer base.
• Ability to manage multiple branch activities efficiently.

Preferred Experience

Candidates with experience in the following sectors will be preferred:

• Gold Loan Gold Finance
• NBFC
• Banking
• Financial Services
• Investment Wealth Products
• Retail Banking
• Branch Sales & Operations

Key Performance Indicators (KPIs)

• Branch business/disbursement target achievement
• Gold loan portfolio growth
• Investment product business
• New customer acquisition
• Customer retention and repeat business
• Portfolio quality and overdue management
• Team productivity and target achievement
• Cross-selling and upselling
• Branch operational efficiency
• Audit and compliance performance

Compensation

Incentives: Performance-based incentives as per company policy.

Ideal Candidate

The ideal candidate should have strong branch management, sales, team leadership, and customer relationship skills, with practical experience in the NBFC/gold loan or banking sector. The candidate should be capable of independently managing branch business, operations, customer relationships, and team performance while maintaining compliance and portfolio quality.

Location -

Kayamkulam, Palai, Ettumanoor, Chalakkudy, Kottayam, Poojapura, Kanjirapally, Vaikkom, Ulunderpett (TN), Thane (MH), J B Nagar (MH), Punagannur (AP)