Branch Manager

About the Role

We are seeking a results-driven Branch Manager to oversee our Gold Loan operations. In this role, you will be responsible for driving business growth, ensuring the integrity of gold appraisals, and maintaining a high-quality loan portfolio. You will lead branch activities, manage customer relationships, and ensure strict adherence to operational and risk management protocols. This position is ideal for a financial services professional with a strong background in secured lending and branch administration who is fluent in Malayalam and possesses deep knowledge of the local market.

Key Responsibilities

• Drive new customer acquisition, loan disbursals, and achieve monthly, quarterly, and annual business volume targets.
• Build and maintain a healthy, profitable gold loan book while keeping non-performing assets (NPAs) at a minimum.
• Manage timely loan renewals, interest collections, and oversee overdue/recovery follow-ups.
• Promote allied financial products, including insurance, gold coins, vehicle loans, fixed deposits (FD), recurring deposits (RD), and loans against property (LAP).
• Ensure accurate purity testing, weight verification, and secure appraisal of all pledged gold assets.
• Oversee daily branch operations, ensuring compliance with internal policies, regulatory guidelines, and audit requirements.
• Manage and mentor branch staff to ensure high levels of productivity and customer service excellence.

Requirements (Must-Have Skills)

• Proven experience in Gold Loan operations or branch management within the financial services sector.
• Expertise in gold appraisal techniques.
• Expertise in gold purity testing.
• Expertise in gold weight verification techniques.
• Strong understanding of loan portfolio management.
• NPA reduction strategies.
• Proficiency in managing loan renewals.
• Proficiency in collection processes.
• Ability to drive business growth and meet aggressive sales targets.
• Experience in cross-selling financial products (Insurance, FD/RD, LAP, Vehicle Loans).
• Strong leadership and team management capabilities.
• Excellent communication skills.
• Customer relationship management skills.
• Working knowledge of banking software.
• Working knowledge of branch administration tools.
• Fluency in Malayalam.
• Deep knowledge of the local market.

Preferred Skills (Nice-to-Have)

• Certification in gold appraisal.
• Certification in jewelry valuation.
• Prior experience in a retail banking environment.
• Prior experience in an NBFC environment.
• Strong analytical skills for monitoring branch performance metrics.
• Ability to handle high-pressure environments.
• Ability to meet strict deadlines.
• Existing customer network.

Benefits & Perks

• Competitive salary package with performance-based incentives.
• Comprehensive health and life insurance coverage.
• Opportunities for professional development and career advancement within the organization.
• A collaborative and supportive work environment.

To apply for this position, please use the apply link on this Jobsify job posting.