Branch Manager

Branch Manager (Gold Loan / Retail Loans)

Department: Branch Banking / Retail Assets / Gold Loans

 Designation: Branch Manager

 Location: Pan India – Top Cities & Branch Locations

 Salary Range: ₹25,000 – ₹35,000 per month + Incentives + Performance Bonus

 Industry: Banking / NBFC / Financial Services

Job Summary

We are looking for an experienced and result-oriented Branch Manager to lead branch operations, drive business growth, manage sales teams, and ensure achievement of business targets. The candidate will be responsible for branch profitability, customer acquisition, portfolio quality, team management, and operational compliance across Gold Loan and Retail Loan products.

Key Responsibilities

Business & Sales Management

Drive branch business targets for Gold Loans, Personal Loans, LAP, Business Loans, Insurance, and other financial products.

Increase customer acquisition through open market sourcing, referrals, and local marketing activities.

Monitor branch profitability, portfolio growth, and productivity metrics.

Develop branch-level sales strategies to improve market penetration and revenue generation.

Ensure achievement of monthly login, sanction, disbursement, and collection targets.

Team Management

Lead, train, and motivate branch staff and field sales teams.

Conduct regular performance reviews and daily sales meetings.

Ensure proper manpower planning, employee productivity, and discipline within the branch.

Support hiring and onboarding of branch employees where required.

Operations & Compliance

Ensure smooth branch operations and adherence to company SOPs and audit requirements.

Monitor KYC, documentation, and compliance processes.

Ensure safe custody and operational handling of pledged gold and customer documents.

Handle branch audits, risk management, and regulatory compliance.

Customer Relationship Management

Build strong relationships with customers, DSAs, local connectors, and channel partners.

Resolve customer escalations and ensure high service standards.

Maintain customer retention and repeat business.

Collections & Portfolio Quality

Monitor overdue accounts and ensure healthy portfolio quality.

Coordinate with collection teams for recovery and delinquency control.

Eligibility Criteria

Graduation mandatory; MBA preferred.

4–10 years of experience in Banking, NBFC, Gold Loans, or Retail Assets.

Minimum 2 years of team handling experience preferred.

Strong knowledge of branch operations, sales, and compliance.

Good leadership, communication, and people management skills.

Ability to work in a target-driven environment.

Preferred Skills

Branch operations management

Team handling & leadership

Retail loan / Gold loan sales

Customer relationship management

Portfolio & collection management

Cross-selling financial products

Market development & local networking

Salary & Benefits

Fixed Salary: ₹25,000 – ₹35,000 per month

Attractive incentives & annual performance bonus

PF, ESI, Gratuity & Medical Insurance

Travel & Mobile reimbursement

Career growth opportunities in Banking & NBFC sector