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Branch Manager - Gold Loan - Mumbai - Borivali - (M1-M3)
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Role Purpose
To lead and manage the end-to-end operations of a Gold Loan branch, driving business growth, ensuring operational excellence, maintaining portfolio quality, and delivering superior customer experience while adhering to regulatory and risk guidelines.
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Key Responsibilities
1. Business Delivery & Growth
. Drive Gold Loan portfolio growth through branch walk-ins, local sourcing, and cross-selling initiatives
. Plan and execute local marketing and sales campaigns to increase customer acquisition and branch visibility
. Achieve monthly targets for loan disbursement, revenue, and profitability
. Identify new business opportunities within the catchment area
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2. Branch Operations Management
. Oversee daily branch operations ensuring smooth and efficient functioning
. Ensure proper gold appraisal, loan processing, and disbursement as per company policies
. Monitor cash management, documentation, and audit readiness
. Maintain adherence to regulatory requirements, internal controls, and compliance standards
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3. Customer Experience & Relationship Management
. Build strong customer relationships to drive repeat business and referrals
. Ensure high-quality service delivery and resolution of customer queries
. Handle escalations and ensure customer satisfaction levels are consistently high
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4. Team Management & Capability Building
. Lead, train, and motivate branch staff to achieve performance goals
. Conduct regular team meetings to align on targets and performance expectations
. Drive a high-performance culture through coaching, mentoring, and feedback
. Manage staffing, onboarding, and performance reviews
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5. Portfolio Quality & Risk Management
. Ensure quality of gold loan portfolio with strong focus on risk mitigation
. Monitor overdue accounts, initiate recovery actions, and control NPAs
. Ensure accurate assessment of gold collateral and fraud prevention
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6. Financial & Cost Management
. Monitor branch profitability, cost control, and resource allocation
. Track key financial metrics including yield, cost-to-income ratio, and operating expenses
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7. Reporting & MIS
. Maintain accurate records of branch performance (business, operations, collections)
. Share periodic reports with regional/zonal leadership
. Track and analyze branch performance vs targets
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Key Skills & Competencies
. Gold Loan Operations & Appraisal
. Sales & Business Development
. Team Leadership & People Management
. Customer Relationship Management
. Risk & Compliance Orientation
. Financial Acumen & Analytical Skills
. Strong Local Market Understanding
. Communication & Stakeholder Management
Educational Qualification
. Graduate (preferred: Commerce / Finance / Business)
. Certifications in gold appraisal or financial services (preferred)
Tata Asset Management Limited (TAM) is the Investment Manager to Tata Mutual Fund. Our origin stems from a much respected and internationally acclaimed industrial house – the Tata Group – whose business philosophy has made our country and its people partners in the wealth creation process. Our heritage invokes "trust" among consumers, employees, shareholders and the community alike. Though a great heritage is obviously something to cherish, we also seek to carry that legacy through a set of well defined and time tested globally accepted business practices. Being part of the Tata group, we are well known for our strong adherence to highest standards of ethics and fairness in all our business dealings.
TAM manages funds across the entire risk-return continuum. These include equity funds, balanced funds and debt & money market oriented funds. The company provides investment management, risk management and advisory services to institutional, intermediary and individual investors.
Job ID: 151709501
