Branch Manager

Job Title: Branch Manager (BM)

Location: Kalpetta
Department: Branch Operations & Business Development
Reporting to: Regional Manager / Area Manager

Role Objective:

To lead the branch team in achieving business targets across all product lines — Gold Loan, Insurance, NCD, and SD — while ensuring 100% compliance, profitability, and customer satisfaction.

Key Responsibilities: Business & Sales:

• Achieve and exceed monthly and quarterly business targets in Gold Loan, Insurance, NCD, and SD.
• Drive cross-selling of multiple products to increase branch revenue.
• Conduct local marketing and promotional activities to attract new customers.
• Develop and maintain strong relationships with customers, high-value clients, and local influencers.
• Monitor market trends and competitors to identify new business opportunities.

Operations & Compliance:

• Ensure smooth daily operations including cash management, gold handling, and documentation.
• Maintain 100% compliance with internal audit, KYC, AML, and RBI guidelines.
• Supervise the proper functioning of all systems, registers, and branch records.
• Handle gold loan valuation, release, renewal, and auction procedures as per policy.

Team Leadership:

• Lead and motivate the branch team (ABM, Sr. CCE, CCE) to achieve individual and branch goals.
• Conduct daily morning huddles, business reviews, and performance tracking.
• Identify training needs and ensure regular skill development for staff.
• Foster a positive, disciplined, and customer-centric work environment.

Customer Service & Relationship Management:

• Ensure superior customer service and quick redressal of complaints.
• Build trust-based long-term customer relationships to improve retention.
• Monitor and control customer delinquency and ensure timely recovery of overdue accounts.

Reporting & Control:

• Prepare and submit daily, weekly, and monthly MIS reports to higher authorities.
• Monitor branch profitability, expense control, and ensure operational efficiency.
• Coordinate with Head Office and Regional Office for all business and compliance-related activities.

Required Qualifications & Skills:

• Graduate in any discipline (MBA/Finance preferred).
• Minimum 4–6 years of experience in NBFC/Banking sector, with at least 2 years in Gold Loan or branch leadership role.
• Strong knowledge of Gold Loan operations, Insurance, and Financial Products (NCD, SD).
• Excellent communication, leadership, and people management skills.
• Proficient in MS Office and Malayalam (local language).

Compensation:

• Salary: As per company norms
• Incentives: Monthly business incentives + performance bonuses
• Benefits: Insurance coverage + staff benefits as per company policy

Job Types: Full-time, Permanent

Pay: ₹25,000.00 - ₹35,000.00 per month

Benefits:

• Flexible schedule
• Health insurance
• Leave encashment

Work Location: In person