Branch Manager - Gold Loans

Job purpose

This position owns the branch-level gold loan business. It is responsible for improving business outcomes, keeping compliance standards strong, delivering a reliable customer experience, and protecting portfolio quality. The role also guides the frontline team to meet targets for disbursements, new customer additions, yield, audit performance, collections, and risk control.

Role scope and dimensions

New customer relationships: Develop productive ties with local customers, business partners, authorities, and community influencers to support customer acquisition at the branch.

Existing team and relationships: Lead and monitor branch employees such as ABM, Gold Valuer, GLO, and CSE, while driving productivity and performance management.

New transaction structuring: Make sure gold is valued correctly, loan structures stay within LTV limits, and all fresh and renewal files are documented properly.

Regulatory compliance: Maintain strict compliance with RBI requirements, internal policies, risk procedures, purity-testing norms, and audit standards.

Portfolio oversight: Track delinquencies, yield, tonnage, auction ratios, spurious and bentex cases, and overall branch growth metrics.

Business and job context

Aditya Birla Capital Limited is a registered NBFC with RBI as a systemically important non-deposit-taking non-banking finance company. It is one of India’s leading diversified private NBFCs and, as of 31-Sep’25, had a pan-India presence with a lending book of about Rs. 139,500 crores. The company provides lending solutions to retail customers, HNIs, MSMEs, and mid- to large-sized corporates through secured and unsecured products, along with a wealth management business. It is rated AAA by India Ratings, ICRA, and CARE, and has received recognition including ABG Business Excellence Awards and awards on multiple CII platforms.

Gold loans are a high-volume secured lending product that demands quick turnaround, strong process discipline, sound valuation, purity control, and customer trust. In this role, the Branch Manager is expected to run gold loan operations at branch level, balancing growth, yield, compliance, and risk controls while leading a compact but high-impact team.

Key challenges

• Growing customer acquisition, disbursement, and tonnage in highly competitive local markets.
• Staying within LTV norms and ensuring correct gold purity checks and valuation despite movement in gold prices.
• Closing spurious and bentex cases quickly while keeping auction-to-book levels low.
• Resolving 0–30 DPD collections on time and preventing accounts from slipping further.
• Maintaining audit scores above 90% with no tolerance for deviations.
• Providing a strong customer experience in a product category where the pledged asset is emotionally sensitive.
• Keeping frontline staff motivated and improving their sales and service productivity over time.