BRANCH MANAGER

Job Purpose:

To lead and manage the branch operations of the Gold Loan business, ensuring profitability, regulatory compliance, customer satisfaction, and team productivity. The Branch Manager is responsible for achieving business targets, maintaining asset quality, ensuring smooth operations, and providing leadership to branch staff.

Key Responsibilities:

1. Team Leadership & Performance Management

● Lead, guide, and coordinate with all branch team members (sales, accounts, and operations) to ensure daily tasks and targets are met.

● Review daily reports from: ○ Accounts Team (cash balance, gold movement, interest collected, repledging) ○ Sales Team (leads generated, conversions, renewals, takeovers)

● Set and assign daily/weekly/monthly sales targets for the sales team.

● Monitor individual and team KPIs, offering support and interventions where needed.

2. Sales & Business Development

● Drive branch performance to achieve or exceed monthly sales and loan disbursement targets.

● Plan and execute local offline marketing campaigns such as: ○ Village camps ○ Tie-ups with jewelers and self-help groups ○ Festival-based promotions

● Encourage team participation in customer acquisition and retention activities.

3. Daily Review & Coordination

● Conduct daily morning hurdle meetings with the team for: ○ Reviewing the previous day's performance ○ Discussing pending recoveries ○ Aligning on daily goals and strategies

● Hold recovery meetings to track overdue accounts and support recovery team coordination.

4. Operational Oversight

● Ensure smooth functioning of the branch by: ○ Verifying daily cash and gold balances ○ Overseeing gold appraisal, disbursement, and documentation ○ Ensuring proper repledging and refinancing processes ● Coordinate with the operations inside and outside executives for timely task completion.

5. Resource & Asset Management

● Ensure sufficient cash availability for daily operations, including loan disbursal and renewals.

● Maintain the branch infrastructure, assets, and security (CCTV, vault, furniture, etc.).

● Ensure the branch has sufficient stock of marketing materials, forms, and office supplies.

6. Customer Experience & Relationship

● Ensure excellent customer service standards across all interactions.

● Resolve escalated customer complaints promptly and professionally.

● Promote customer loyalty and build long-term client relationships for repeat business.

7. Compliance & Reporting

● Ensure 100% compliance with company policies, regulatory norms, and internal audits.

● Submit daily/weekly/monthly reports to department heads on: ○ Sales performance ○ Cash/gold movement ○ Operational status ○ Marketing activities and lead.

Qualification and Experience:

• Education: Graduate / Post Graduate in any discipline (preferably Commerce, Finance, or Management)
• Experience: Minimum 3–5 years in the Gold Loan / NBFC / Banking sector with at least 1–2 years in a supervisory or managerial role.
• Preferred: Knowledge of local language and market; experience in handling branch operations independently.

Salary Range: As per company norms and experience

Job Types: Full-time, Permanent

Pay: Up to ₹25,000.00 per month

Benefits:

• Health insurance
• Paid sick time
• Provident Fund

Work Location: In person