Branch Manager - Gold Loan - Kanchipuram - KBJ Hari Corporate Complex - (M1-M3)

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

1. 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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2. 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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3. 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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4. 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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5. 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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6. 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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7. 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)