Branch Manager - Gold Loan - Sales - Delhi - Uttam Nagar (Part 02) - (M1-M3)
Tata Capital · Banking & Financial Services
- India
- On-site
- Posted today
- Apply by 30 Oct
- Sales & Business Development
About the job
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.
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Key Responsibilities
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
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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
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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
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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
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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
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Financial & Cost Management
Monitor branch profitability, cost control, and resource allocation
Track key financial metrics including yield, cost-to-income ratio, and operating expenses
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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
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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)