Branch Manager Gold Loans

Key Result Areas

Supporting Actions

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 030 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.

Customer Service & Branch Experience

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

People Leadership & Productivity

- 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