Branch Manager - Gold Loans

Business Growth & Acquisition

• Meet targets for creating new Customer Unique IDs (CUIDs) to expand the client base.
• Promote new customer loan disbursements aligning with percentile role benchmarks.
• Ensure net and volume growth corresponding to the branch's strategic plan.

Yield & Profitability Management

• Achieve onboarding yield targets to maximize profitability.
• Focus on optimal loan ticket sizes, favorable renewal mixes, and encouraging repeat customer interaction.
• Maintain cost-efficient operations within the branch.

Portfolio Quality & Risk Management

• Maintain a balanced auction-to-book ratio to manage risk effectively.
• Ensure compliance with loan-to-value (LTV) limits, quality documentation, and conduct purity testing on gold assets.
• Address irregularities such as spurious and bentex cases promptly within set timelines.

Collections & Delinquency Management

• Efficiently resolve accounts in the 0–30 days past due (DPD) category.
• Monitor overdue accounts closely and perform timely follow-ups.
• Support recovery initiatives in accordance with internal policies.

Compliance, Audit & Governance

• Achieve prescribed audit scores and ensure timely closure of audit findings.
• Maintain zero tolerance toward operational lapses and regulatory violations.
• Ensure accurate process execution, meticulous record maintenance, and strict vault management.

Customer Service & Branch Experience

• Deliver superior service quality, ensure quick turnaround times, and handle grievances effectively.
• Maintain the branch's cleanliness, safety, and security standards diligently.

People Leadership & Productivity

• Manage and lead team members including Assistant Branch Manager (ABM), Gold Valuer, Gold Loan Officer (GLO), and Customer Service Executive (CSE) for daily operations.
• Conduct coaching sessions, hands-on training, and performance reviews.
• Ensure that manpower productivity meets branch benchmarks consistently.