Branch Manager

Aditya Birla Insulators

Posted: 1 week ago
Openings: 10
Applicants: 0

Job Description

1) Job Purpose:

Write the purpose for which the job exists (in 23 lines)

(Max 1325 Characters)

The Branch Manager Gold Loans is responsible for driving branchlevel business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational goverce.

2) Dimensions:

Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

New Relationship (Max 254 Characters)

Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.

Managing Existing Relationship (Max 254 Characters)

Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management

Structuring new Transactions (Max 254 Characters)

Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions

Compliance of regulatory guidelines (Max 254 Characters)

Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards.

Portfolio monitoring

Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric

3) Job Context Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business / Unit / Function / Department / Section (Max 3975 Characters)

Job Context:

The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational goverce. The role balances growth, yield optimization, and compliance while managing a small but highimpact team and ensuring branchlevel risk controls

Key Challenges:

Achieving aggressive customer acquisition, disbursement and tonnage growth in competitive local markets.
Maintaining strict LTV adherence, gold purity compliance, and accurate valuation amid gold price fluctuations.
Ensuring timely closure of spurious/bentex cases and minimizing auctiontobook ratio.
Driving collection resolutions for 0 30 DPD while preventing slippages.
Ensuring branch audit scores > 90% with zero tolerance deviations.
Delivering consistent customer experience in highsensitivity product category (emotional asset).
Motivating and developing frontline staff for continuous sales and service productivity

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4 7 key result areas) Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

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 costefficient branch operations.

Portfolio Quality Risk Management

Maintain auctiontobook 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 0 30 DPD bucket. Monitor overdue accounts and perform timely followup. Support recovery actions as per internal guidelines.

Compliance, Audit Goverce

Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.