Branch Executive

JOB DESCRIPTION – BRANCH EXECUTIVE

Position: Branch Executive
Department: Operations / Sales
Location: Branch Level
Reporting To: Branch Manager

1. ROLE PURPOSE

To support the branch in day-to-day operations, customer service, gold loan processing, documentation, collection support, and achievement of business targets while ensuring compliance and smooth functioning of the branch.

2. KEY RESPONSIBILITIESA. Gold Loan Operations

• Handle customer walk-ins and explain gold loan products & procedures.
• Conduct preliminary gold purity checks (if trained).
• Prepare loan files, KYC verification, agreement preparation & documentation.
• Update system entries, loan disbursement & renewals.
• Ensure locker movement entries & ornaments safety procedures.

B. Customer Service & Relationship Management

• Provide excellent customer service and manage customer queries.
• Follow up with customers for interest collection & renewals.
• Maintain good relationships with existing clients to generate referrals.

C. Sales & Business Development

• Support branch in achieving daily/monthly gold loan targets.
• Telecalling for lead generation, interest follow-ups & renewal reminders.
• Identify potential customers in the locality and promote branch services.

D. Cash & Vault Management

• Assist in cash handling, daily cash tallies & system updates.
• Follow security protocols for gold storage & movement.
• Ensure compliance with audit guidelines & zero deviations.

E. Administration & Reporting

• Maintain registers, MIS reports, and branch records.
• Support in branch audits, system checks, and compliance activities.
• Coordinate with Branch Manager for smooth day-to-day functioning.

3. KEY SKILLS & COMPETENCIES

• Customer handling skills
• Basic computer knowledge (MS Office, loan software)
• Communication skills – Tamil mandatory, basic English
• Sales & cross-selling ability
• Attention to detail
• Team coordination
• Ethical behavior & discipline

4. QUALIFICATION & EXPERIENCE

• Qualification: Any Degree
• Experience: 0–3 years (Gold Loan / NBFC experience preferred)
• Age: 20–30 years

5. PERFORMANCE METRICS (KPIs)

• Daily/Monthly Gold Loan Business Achieved
• Interest Collection & Renewal Percentage
• Customer service rating
• Accuracy in documentation & compliance
• Lead generation & telecalling performance
• Audit score / Zero deviations

Job Types: Full-time, Permanent, Fresher

Pay: ₹15,000.00 - ₹20,000.00 per month

Benefits:

• Health insurance
• Paid sick time
• Provident Fund

Work Location: In person