Branch Manager - Gold Loan - Sales - Chengalpattu - T K M Road - (M1-M3)

Key Responsibilities

• 1. Business Delivery & Growth
• . Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiatives
• . Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility
• . Achieve monthly targets for loan disbursement, revenue, and profitability
• . Identify new business opportunities within the catchment area
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• 2. Branch Operations Management
• . Oversee daily branch operations ensuring smooth and efficient functioning
• . Ensure proper gold appraisal, loan processing, and disbursement as per company policies
• . Monitor cash management, documentation, and audit readiness
• . Maintain adherence to regulatory requirements, internal controls, and compliance standards
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• 3. Customer Experience & Relationship Management
• . Build strong customer relationships to drive repeat business and referrals
• . Ensure high-quality service delivery and resolution of customer queries
• . Handle escalations and ensure customer satisfaction levels are consistently high
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• 4. Team Management & Capability Building
• . Lead, train, and motivate branch staff to achieve performance goals
• . Conduct regular team meetings to align on targets and performance expectations
• . Drive a high-performance culture through coaching, mentoring, and feedback
• . Manage staffing, onboarding, and performance reviews
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• 5. Portfolio Quality & Risk Management
• . Ensure quality of gold loan portfolio with strong focus on risk mitigation
• . Monitor overdue accounts, initiate recovery actions, and control NPAs
• . Ensure accurate assessment of gold collateral and fraud prevention
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• 6. Financial & Cost Management
• . Monitor branch profitability, cost control, and resource allocation
• . Track key financial metrics including yield, cost-to-income ratio, and operating expenses
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• 7. Reporting & MIS
• . Maintain accurate records of branch performance (business, operations, collections)
• . Share periodic reports with regional/zonal leadership
• . Track and analyze branch performance vs targets
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• Key Skills & Competencies
• . Gold Loan Operations & Appraisal
• . Sales & Business Development
• . Team Leadership & People Management
• . Customer Relationship Management
• . Risk & Compliance Orientation
• . Financial Acumen & Analytical Skills
• . Strong Local Market Understanding
• . Communication & Stakeholder Management
• Educational Qualification
• . Graduate (preferred: Commerce / Finance / Business)
• . Certifications in gold appraisal or financial services (preferred)