BM Gold Loan Hyd

Business: Financial Services
Unit: Aditya Birla Capital Limited
Location: Across Branches in India
Designation: Branch Manager Gold Loans
Reports To: Area Business Head / Area Head
Direct Reports: Manager Valuation Officer Valuation Branch Operations & Sales Team (where applicable)

Prepared with reference to the Manager Gold Valuation JD shared by you. JD - Word

To drive overall branch performance by managing business growth profitability portfolio quality customer service compliance and operational excellence. The Branch Manager is accountable for end-to-end branch operations including customer acquisition loan disbursement collections cross-sell risk management and supervision of valuation activities through Manager Valuation and Officer Valuation to ensure secure and compliant gold loan operations. JD - Word

• Drive customer acquisition and branch business growth through local market development and lead generation activities.
• Build strong relationships with customers influencers and channel partners.

• Ensure superior customer experience and retention.
• Manage branch portfolio renewals collections and customer servicing.

• Ensure accurate assessment documentation valuation and loan disbursement as per approved policies.
• Monitor adherence to LTV norms and underwriting guidelines.

• Ensure strict compliance with company policies audit requirements regulatory guidelines and operational SOPs.
• Maintain branch readiness for internal and external audits.

• Monitor branch profitability asset quality overdue management auction cases and risk indicators.
• Ensure timely corrective actions on portfolio deviations.

The Gold Loan business operates in a highly competitive environment where customer turnaround time trust operational accuracy and portfolio quality play a critical role in business success. The Branch Manager serves as the single-point owner for branch performance customer satisfaction risk management and team effectiveness. JD - Word

The role is responsible for managing the entire branch business and operations while ensuring sustainable portfolio growth adherence to compliance standards operational integrity and effective people management.

• Achieving business growth while maintaining portfolio quality.
• Managing branch profitability and productivity.
• Ensuring zero tolerance towards operational and valuation deviations.
• Preventing fraud spurious gold and policy violations.
• Maintaining customer experience amidst high transaction volumes.
• Managing collections and recovery efficiency.
• Building and retaining a high-performing branch team.

Responsible for accurate gold purity testing valuation safe handling of pledged ornaments risk assessment and compliance with valuation SOPs while supporting customer acquisition and loan disbursement activities. JD - Word

Responsible for conducting gold testing and valuation activities maintaining documentation ensuring secure handling of gold ornaments and supporting branch operations with adherence to established procedures. JD - Word

• Graduate in any discipline (MBA preferred).

• 510 years of experience in Gold Loans Retail Lending NBFC Banking or Financial Services.
• Proven experience in branch management business development portfolio management and team handling.

• Business Development & Sales Management
• Team Leadership
• Portfolio & Collections Management
• Risk & Compliance Management
• Customer Relationship Management
• Operations & Process Excellence
• Decision Making
• Market Intelligence
• Negotiation Skills
• People Development

Area Head / Regional Head

Branch Manager
Manager Valuation
Officer Valuation

This structure positions the Branch Manager as the overall owner of branch business operations valuation controls portfolio quality and team performance.