Branch Manager-Gold Loan- Rehri Jammu - Jammu and Kashmir | Aditya Birla Capital Limited | Financial Services
Rising Sun Business Solutions
Work from Office
Full Time
Min. 5 yearsJob Description
Branch Manager-Gold Loan- Rehri Jammu - Jammu and Kashmir | Aditya Birla Capital Limited | Financial Services
1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters) |
The Branch Manager – Gold Loans is responsible for driving branch-level business performance, ensuring compliance, delivering superior customer experience, and maintaining portfolio quality. The role leads the frontline team to achieve disbursement, new customer acquisition, yield, audit, collections, and risk KPIs while upholding operational governance. |
2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. | |
New Relationship | Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition. |
Managing Existing Relationship | Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management |
Structuring new Transactions | Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions |
Compliance of regulatory guidelines | Ensure strict adherence to RBI norms, internal policies, risk processes, purity testing, and audit standards. |
Portfolio monitoring | Monitor delinquencies, yield, tonnage, auction ratios, spurious/bentex cases, and branch growth metric |
3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section (Max 3975 Characters) |
Organization Context Aditya Birla Capital Limited ("NBFC") is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 Crores. ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division. ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII. Business Context Gold Loans is a key secured lending product with high volume, fast turnaround expectations and requires strict discipline in risk, valuation, purity testing, and customer trust management. Job Context: The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational governance. The role balances growth, yield optimization, and compliance while managing a small but high?impact team and ensuring branch-level risk controls Key Challenges:
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4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated | |
Key Result Areas (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) |
Business Growth & Acquisition | - Achieve targets for new CUID creation. |
Yield & Profitability Management | - Achieve onboarding yield benchmarks |
Portfolio Quality & Risk Management | - Maintain auction-to-book ratio |
Collections & Delinquency Management | - Deliver resolution for 0–30 DPD bucket. |
Compliance, Audit & Governance | - Achieve audit score as defined, ensure closure of audit findings. |
Customer Service & Branch Experience | - Ensure high service quality, fast turnaround time, and seamless grievance resolution. |
People Leadership & Productivity | - Lead ABM, Gold Valuer, GLO, and CSE for daily performance. |
5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) |
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6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with to deliver the job objectives | ||
Relationship Type (Max 80 Characters) | Frequency | Nature (Max 1325 Characters) |
Internal |
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Regional / Cluster Heads | Daily | Business planning, target reviews, risk, productivity, and governance discussions. |
IT Team | Weekly / Need-based | System issues, process enhancements, user support. |
Marketing Team | Weekly / Fortnightly | Local campaigns, lead generation, customer engagement programs. |
Risk, Policy, Audit, Compliance, HR | Weekly / Need-based | Escalations, deviations, training needs, audit observations, hiring support. |
External |
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Customers | Need-based | Product queries, service support, relationship building, grievance resolution. |
Vendors / Security Partners | Need-based | Vault security, system maintenance, operational support. |
Local Influencers / Community Stakeholders | Need-based | Acquisitions, outreach, local awareness building. |
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