Branch Manager - Gold Loans - Ghaziabad

Job description

Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters) 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. • Resolve spurious and bentex cases within defined timelines Collections & Delinquency Management • Deliver resolution for 0–30 DPD bucket. • Monitor overdue accounts and perform timely follow-up. • Support recovery actions as per internal guidelines. Compliance, Audit & Governance • Achieve audit score as defined, ensure closure of audit findings. • Maintain zero-tolerance on operational deviations and regulatory breaches. • Ensure accuracy in process, record keeping, and vault management. Customer Service & Branch Experience • Ensure high service quality, fast turnaround time, and seamless grievance resolution. • Maintain branch hygiene, safety, and security standards. People Leadership & Productivity • Lead ABM, Gold Valuer, GLO, and CSE for daily performance. • Conduct coaching, on-the-job training, and reviews. • Ensure manpower productivity as per branch benchmarks