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)