Basic Details

Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business Financial Services Unit

Aditya Birla Capital Limited

Location: Across branches in India

1) Job Purpose:

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:

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:

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.

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.

4) Key Result Areas:

Business Growth & Acquisition: Achieve targets for new CUID creation. Drive new customer disbursements as per percentile role benchmarks. Ensure net growth and tonnage growth in line with branch plan.

Yield & Profitability Management: Achieve onboarding yield benchmarks. Drive optimal ticket size, renewal mix, and repeat customer engagement. Ensure cost-efficient branch operations.

Portfolio Quality & Risk Management: Maintain auction-to-book ratio. Ensure strict adherence to LTV, documentation quality, and purity testing protocols.

Collections & Delinquency Management: Deliver resolution for 0–30 DPD bucket. Monitor overdue accounts and perform timely follow-up.

Compliance, Audit & Governance: Achieve audit score as defined, ensure closure of audit findings. Maintain zero-tolerance on operational deviations and regulatory breaches.

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. Conduct coaching, on-the-job training, and reviews.

5) Job Purpose of Direct Reports:

Assistant Branch Manager: Support branch business operations, supervise frontline staff, and drive daily productivity.

Manager – Gold Valuation: Ensure accurate valuation, purity checks, risk adherence, and secure handling of gold assets.

Gold Loan Officer: Acquire customers, drive disbursement, manage renewals, and maintain documentation accuracy.

Customer Service Executive: Deliver superior customer experience, manage service transactions, and support branch operations.

6) Relationships:

Internal: Regional / Cluster Heads - Daily Business planning, target reviews, risk, productivity, and governance discussions.

External: Customers - Need-based Product queries, service support, relationship building, grievance resolution.