1 ) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters)

Support the Branch Manager in driving daily business, supervising frontline staff, ensuring operational excellence, and maintaining compliance, portfolio discipline and customer experience at the branch

Dimensions : Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

New Relationship

(Max 254 Characters)

Develop local partnerships and community connects to support branch acquisition and renewals.

Managing Existing Relationship

(Max 254 Characters)

Supervise GLOs, Valuer and CSE; run daily huddles, allocate workloads and review productivity.

Structuring new Transactions

(Max 254 Characters)

Ensure correct documentation, system entries, and LTV application for new and renewal cases.

Compliance of regulatory guidelines

(Max 254 Characters)

Enforce process adherence across KYC/AML, valuation SOPs, vault protocols and audit readiness.

Portfolio monitoring

Track renewals, overdues, and risk flags; support timely collection actions and issue resolution.

Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ( Max 3975 Characters)

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

ABM ensures consistent execution of branch processes while balancing sales push and risk controls; acts as second-in-command for business and governance.

Key Challenges

Driving daily productivity while maintaining documentation accuracy and TAT.
Upholding audit and compliance standards across all transactions.
Ensuring timely renewal and early delinquency follow-ups.
Maintaining service standards during peak footfall.
Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Business Support & Acquisition

Assist in lead generation, conversion, renewals and local outreach initiatives.

Operational Excellence & Process Adherence

Drive SOP adherence in documentation, valuation coordination and vault operations.

Portfolio & Risk Management

Monitor early buckets, LTV adherence and coordinate with collections as per guidelines.

Customer Service

Ensure prompt query resolution and standardized branch experience.

Team Supervision & Productivity

Run daily huddles, MIS tracking and on-the-job coaching for frontline roles.

5 ) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

No Direct reports

Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with to deliver the job objectives

Relationship Type (Max 80 Characters) Frequency Nature (Max 1325 Characters)

Internal

Branch Manager

Daily

Planning, reviews, escalations and governance.

Risk/ Policy/ Audit/ Compliance

Weekly/Need-based

Clarifications, observations and closures.

IT & Marketing

Need-based

System support, campaigns and lead flows.

Branch Manager

Daily

Planning, reviews, escalations and governance.

External

Customers

Need-based

Service support, renewals, grievance handling.

Vendors/Security Partners

Need-based

Vault and facility support.

Branch Manager - Bhavnagar