Branch Manager || Gold Loan || Sikar

Qualifications and Technical Skills -

Graduate Degree

Knowledge of finance industry,

Experience of branch sales and operations in NBFCs

Overall and Specific Experience

5+ years of overall experience in Gold loan

Job Location - Sikar

Perks and benefits

Candidates preferred having experience in Gold loan.

Role & responsibilities

• Responsible for expansion of the product & customer base; development of a strong brand value and building of an effective & efficient Sales and Collections force to achieve the respective business plan measures

• Develop new strategies to scan the market for potential new avenues & generate revenue from untapped markets; support in launching of new products for generating new business opportunities

• Guide & facilitate team to drive sales & collection plans for their respective Business verticals and accordingly drive the same for the Financial Year as directed by Business Heads

• Ensure Overall revenue targets are met for the district on a monthly basis

• Ensure overall revenue targets are reached as per the approved matrix for the district from all revenue sources (processing fees, cross sell, yield etc.)

• Ensure that branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per branch score card

• Daily, Weekly and Monthly sales planning

• Creation of daywise sales plan for entire sales branch sales staff for market activities and branch operations staff for activities in branch

• Allocating LAG and LAP targets to each employee based on mutual discussion, ensuring regular follow up to track progress and take corrective action

• Ensuring proper planning and availability of resources in advance for all market activities (Door to Door marketing, Pamphlet distribution), coordinate with District Manager, Area Sales Manager for activities which will be done in conjunction with other branch staff

• Tracking daily sales efficiency by seeing the number of leads generated, Quality of files sources as per policy

• Improve branch Sales efficiency and effectiveness

• Proactively train sales staff to identify deviations in cases to ensure right sourcing is done
• Attend personal discussion with customer for LAP cases to understand customer profile. Provide insights to credit team to reduce fraudulent cases
• Ensure all customers provide references, improve customer satisfaction in order to increase retention
• Check daily sales reports to ensure daily productivity of sales staff is measured
• Check EB calling report and daily cash book to ensure existing customers are being attended to, branch cash is being managed accurately
• Ensure LAP staff is doing proper entry of customer in Leviosa to reduce processing time, rejection

• Branch Operations

• Check cash book and tally with physical cash on a daily basis
• Conduct daily asset check of all branch assets in the morning, highlight any discrepancies on a daily basis
• Ensure all key movements of branch and vault keys are as per designation memo
• Doing monthly inventory checks of entire LAG portfolio of the branch
• Ensuring all procedures are followed in the branch (cash disbursal, cash book entry, vault access, branch compliance) is as per company policy

• Support Branch Audit team in conducting audits in the branch and improve the processes which come out as improvement areas in audit results

• Ensure adherence to all the SOPs/Processed in the branch by conducting self audits and other required activities in the branch
• Take corrective actions on the basis of audit findings in the branch

• Ensure adherence on quality for processes and ensure booking of all proposals in the system post approval from credit; Collections, welcome calling ,Customer follow up etc. at the Branch level

• Maintain branch compliance by strong control on staff deployed at branch and support functions

• Monitor the maintenance requirements and pass on the requirement to Administration team for execution
• Ensure the requirements for housekeeping and security are met as per the SLAs to ensure safety, security and cleanliness of branch
• Ensure appropriate visual merchandising ( visibility of glow sign board) activities in the branch
• Visit customers at respective location on regular intervals to build relationship with clients and evaluate parameters on the capability and intent with regards to pay backs

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