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
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
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
Key Responsibilities:1. Customer Handling & Gold Loan Process Welcome customers and understand their loan or gold-related requirements. Handle Gold Loan Release Enquiries : Explain interest rates, loan terms, and required documentation. Get the gold appraised by the approved appraiser. Coordinate the smooth movement of the customer from inquiry to cashier handover. Ensure accurate documentation before loan processing and disbursal. Maintain customer privacy and safety protocols during gold appraisal and transactions. 2. Gold Appraisal Coordination Assist the authorized appraiser by: Recording the gold weight and purity Ensuring gold is photographed and tagged as per company policy Maintain clear records for appraised items and ensure a smooth process before moving to billing. 3. Cashier & Billing Support Coordinate with the cashier during loan disbursal and repledge transactions. Prepare accurate interest-paid bills and repledge transaction bills. Ensure all transaction slips are signed and stored properly. 4. Gold Sale Enquiries Attend to customers who visit to sell gold : Collect necessary documents Coordinate with management for current gold buying rates Ensure proper invoice generation and recording 5. Interest Collection & Receipts Generate bills for interest payments . Update system records and issue receipts to customers promptly. Cross-check all collections at the end of the day for accuracy and reconcile with the cashier. 6. Branch Meetings & Internal Coordination Participate in daily branch meetings related to: Sales and operations targets Process improvement and compliance updates Attend recovery meetings in the absence of the assistant branch manager. Share updates on any pending gold release, billing issues, or customer follow-up cases. 7. Record Maintenance & Compliance Maintain: Daily loan issuance register Interest collection register Gold appraisal and handover log Ensure 100% accuracy and completeness in KYC documentation. Assist in internal audits and surprise inspections with updated files and registers. 8. Customer Service & Relationship Ensure polite and professional interaction with all walk-in customers. Handle basic customer grievances and escalate if required. Follow up with old customers for renewal reminders if guided by the ABM. 9. System & Software Usage Enter all transaction data in the company software with attention to detail. Cross-verify system entries before final disbursal or collection. Report any software or data issues immediately to the ABM or technical support team. 1. Banking & Loan Process Coordination Visit partner banks for: Loan releases Loan renewals Closure formalities of customer loans (over loans) Collect and deliver important banking documents, cheques, or demand drafts as required. Visit customer banks if needed to support documentation or fund transfers for gold release. Ensure timely and error-free handling of all bank-related work to avoid delays. 2. KGF Bank Account Operations Assist in opening new bank accounts for KGF under instructions from the branch manager. Collect necessary documents, visit the bank, and follow up for account activation. Ensure account details are updated and shared with concerned stakeholders. 3. Temporary Fund Management Borrow short-term funds from local financiers when instructed by ABM: Ensure proper documentation and recording of interest paid. Return the borrowed amount the same day without fail. Maintain a list of trusted local financiers with fair practices. 4. Loan Issuance & Repledging Support Support the branch in loan disbursal and repledging (OB) processes: Coordinate movement of gold to/from appraisers if required. Ensure safe handling of gold packets during transit (if applicable). 5. Vendor & Partner Coordination Coordinate with vendors for: Branch maintenance work Office supplies or printer/cartridge purchases AMC visits or bank-related courier services Maintain vendor contact lists and handle minor logistics as assigned. 6. Inter-Branch & HO Communication Carry physical documents (if required) between branches or to the Head Office for urgent approvals, audits, or signature collection. Represent the branch for any in-person meetings or submission of physical reports. 7. Emergency & Contingency Support Be available for urgent tasks like ATM cash deposit/withdrawal if the branch account cash flow is affected. Immediate gold valuation or repair of gold packet seals in coordination with authorized appraisers. Handling small courier dispatches or branch-level emergencies. 8. Record Keeping & Reporting Maintain a daily logbook of all outside visits: Locations visited Purpose Time in/out Documents carried (if any) Report daily to the Assistant Branch Manager with task status and pending items Job Types: Full-time, Permanent Pay: ₹15,000.00 - ₹20,000.00 per month Benefits: Health insurance Paid sick time Provident Fund Work Location: In person