Unit
Aditya Birla Capital Limited
Location
Across branches in India
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.
New Relationship
(Max 254 Characters)
Build strong relationships with local customers, partners, authorities, and community influencers to drive branch customer acquisition.
Managing Existing Relationship
(Max 254 Characters)
Lead and supervise branch staff including ABM, Gold Valuer, GLO, and CSE; ensure productivity and performance management
Structuring new Transactions
(Max 254 Characters)
Ensure accurate gold valuation, loan structuring within LTV norms, and proper documentation for all new and renewal transactions
Compliance of regulatory guidelines
(Max 254 Characters)
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
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.
ABCL offers end-to-end lending solutions to a diverse set of customers – Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.
ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.
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.
Job Context
The Branch Manager executes gold loan business at the branch level, ensuring revenue, portfolio quality, and operational governance. The role balances growth, yield optimization, and compliance while managing a small but high?impact team and ensuring branch-level risk controls
Key Challenges
Key Result Areas (Max 1325 Characters)
Supporting Actions (Max 1325 Characters)
Business Growth & Acquisition
Yield & Profitability Management
Portfolio Quality & Risk Management
Collections & Delinquency Management
Compliance, Audit & Governance
Customer Service & Branch Experience
People Leadership & Productivity
Relationship Type (Max 80 Characters) Frequency Nature (Max 1325 Characters)
Internal
Regional / Cluster Heads
Daily
Business planning, target reviews, risk, productivity, and governance discussions.
IT Team
Weekly / Need-based
System issues, process enhancements, user support.
Marketing Team
Weekly / Fortnightly
Local campaigns, lead generation, customer engagement programs.
Risk, Policy, Audit, Compliance, HR
Weekly / Need-based
Escalations, deviations, training needs, audit observations, hiring support.
External
Customers
Need-based
Product queries, service support, relationship building, grievance resolution.
Vendors / Security Partners
Need-based
Vault security, system maintenance, operational support.
Local Influencers / Community Stakeholders
Need-based
Acquisitions, outreach, local awareness building.
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