Branch Manager - Gold Loans

Role Overview

The Branch Manager for Gold Loans at Aditya Birla Capital will spearhead branch operations focusing on achieving business acquisitions, profitability, risk management, collections, compliance, customer service, and people leadership to help meet the branch growth plans.

Business Growth & Acquisition

• Meet targets for creating new Customer Unique IDs (CUIDs).
• Drive new customer loan disbursements aligned with role-specific percentile benchmarks.
• Ensure the branch achieves net and volume growth according to planned objectives.

Yield & Profitability

• Attain benchmarks for onboarding yields.
• Maximize ticket size, promote renewals, and encourage repeat business.
• Keep branch operational costs controlled and efficient.

Portfolio Quality & Risk Management

• Maintain the auction-to-book ratio effectively.
• Strictly comply with Loan-to-Value (LTV), documentation standards, and purity testing procedures.
• Address and resolve suspicious and bentex cases within set timeframes.

Collections & Delinquency Management

• Target resolution of accounts in the 0 to 30 days past due (DPD) bucket.
• Keep track of overdue accounts and conduct timely follow-ups.
• Facilitate recovery efforts according to internal policies.

Compliance, Audit & Governance

• Achieve the defined audit scores and promptly close any audit observations.
• Maintain zero tolerance for operational or regulatory discrepancies.
• Ensure accuracy in all processes, records, and vault management.

Customer Service & Branch Environment

• Deliver high-quality customer service with minimal turnaround times and effective grievance handling.
• Uphold cleanliness, safety, and security standards at the branch.

People Leadership & Productivity

• Manage team members comprising ABM, Gold Valuer, GLO, and Customer Service Executives to meet daily goals.
• Conduct employee coaching, hands-on training, and performance reviews.
• Ensure workforce productivity aligns with branch performance benchmarks.