Branch Manager - Gold Loan

Job highlights

• PFJob DescriptionJob Description: Branch Manager – Gold LoanRole PurposeTo lead and manage the end-to-end operations of a Gold Loan branch, driving business growth, ensuring operational excellence, maintaining portfolio quality, and delivering superior customer experience while adhering to regulatory and risk guidelines.Key Responsibilities1. Business Delivery & GrowthDrive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiativesPlan and execute local marketing and sales campaigns to increase customer acquisition and branch visibilityAchieve monthly targets for loan disbursement, revenue, and profitabilityIdentify new business opportunities within the catchment area2. Branch Operations ManagementOversee daily branch operations ensuring smooth and efficient functioning Ensure proper gold appraisal, loan processing, and disbursement as per company policiesMonitor cash management, documentation, and audit readinessMaintain adherence to regulatory r

Job Description: Branch Manager – Gold Loan Role Purpose To lead and manage the end-to-end operations of a Gold Loan branch, driving business growth, ensuring operational excellence, maintaining portfolio quality, and delivering superior customer experience while adhering to regulatory and risk guidelines. Key Responsibilities 1. Business Delivery & Growth Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiatives Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility Achieve monthly targets for loan disbursement, revenue, and profitability Identify new business opportunities within the catchment area 2. Branch Operations Management Oversee daily branch operations ensuring smooth and efficient functioning Ensure proper gold appraisal, loan processing, and disbursement as per company policies Monitor cash management, documentation, and audit readiness Maintain adherence to regulatory requirements, internal controls, and compliance standards 3. Customer Experience & Relationship Management Build strong customer relationships to drive repeat business and referrals Ensure high-quality service delivery and resolution of customer queries Handle escalations and ensure customer satisfaction levels are consistently high   4. Team Management & Capability Building Lead, train, and motivate branch staff to achieve performance goals Conduct regular team meetings to align on targets and performance expectations Drive a high-performance culture through coaching, mentoring, and feedback Manage staffing, onboarding, and performance reviews 5. Portfolio Quality & Risk Management Ensure quality of gold loan portfolio with strong focus on risk mitigation Monitor overdue accounts, initiate recovery actions, and control NPAs Ensure accurate assessment of gold collateral and fraud prevention 6. Financial & Cost Management Monitor branch profitability, cost control, and resource allocation Track key financial metrics including yield, cost-to-income ratio, and operating expenses 7. Reporting & MIS Maintain accurate records of branch performance (business, operations, collections) Share periodic reports with regional/zonal leadership Track and analyze branch performance vs targets Key Skills & Competencies Gold Loan Operations & Appraisal Sales & Business Development Team Leadership & People Management Customer Relationship Management Risk & Compliance Orientation Financial Acumen & Analytical Skills Strong Local Market Understanding Communication & Stakeholder Management Educational Qualification Graduate (preferred: Commerce / Finance / Business) Certifications in gold appraisal or financial services (preferred) Experience 5–10 years of experience in NBFC/BFSI Minimum 2–4 years in Gold Loan / Retail Lending operations Prior experience in team handling / branch management preferred [Naukri_DIN...AT[10y_0m] | PDF] Success Metrics (KPIs) Gold Loan AUM growth Disbursement volumes vs targets Portfolio quality (NPA %) Customer acquisition & retention Branch profitability Audit & compliance score Team productivity Typical Reporting Structure Reports to: Area Manager / Cluster Manager Direct Reports: Gold Loan Officers / Executives / Appraisal Staff