Branch Manager

JOB DESCRIPTION

Position Title

Branch Manager

Grade/Level

O2

Department

Sales

Location

Chennai

Organizational Relationships

Position reporting to

Business Manager – Gold loan

No. of Direct Reports

2+

Job Purpose

Key Responsibilities

Functional Responsibilities

· Branch-Level Activities:

· Manage and oversee the Gold Loan portfolio of the branch, ensuring effective utilization and growth.

· Lead all branch-level activities to drive business growth, including loan disbursement, cash management, vault keeping, customer service, and compliance with company policies.

· Collaborate with the team to drive field-marketing activities, promoting various gold loan schemes and enhancing brand visibility.

· Team Leadership:

· Coach, mentor, and provide timely feedback to employees, fostering a high-performance culture within the branch.

· Facilitate training to enhance employee skills and professional development.

· Reporting and Analysis:

· Prepare accurate and timely reports related to branch performance, functioning, and operational metrics.

· Utilize data insights to identify areas for improvement and strategic decision-making to increase the presence of TVS Credit in the Gold Loan market for your catchment.

· Customer Engagement:

· Focus on customer engagement strategies to acquire new customers and ensure their retention.

· Assist clients throughout their Gold Loan Financing journey, addressing their needs and concerns.

· Business Quality Performance:

· Maintain and enhance the quality performance of the branch's gold loan business by implementing necessary actions for growth.

· Ensure timely and effective collection activities, while proactively managing provisions for NPAs, to maintain financial health and compliance within the branch for Gold Loan business.

· Valuation and Compliance:

· Maintain accurate valuation appraisal of gold ornaments pledged in the branch, ensuring compliance with company policies and audit standards.

· Verify weight and purity assessments as required through acid and salt test, pointed scratch test, weight test, smell test usability test, flexibility test, sound test etc.

· Ensure proper storage and safety of gold and cash assets in the vaults allocated.

· Risk Management:

· Ensure the branch opens and closes in adherence to company compliance norms, maintaining operational integrity.

· Oversee and validate safe operations conducted by designated employees, upholding company policies without compromise for smooth functioning of gold financing operations.

· Uphold safety standards for branch infrastructure and operations, ensuring a secure and risk-free environment.

· Safeguard gold assets stored in branches and vaults, rigorously maintaining security standards to prevent compromise.

Job Requirements

Qualifications

Bachelors / Post Graduate Degree (MBA Finance Preferred)

Experience

6+ years of experience in the Gold Loan space working with NBFCs or Banks

Functional Competencies

Experience in designing products & schemes

Key principles and valuation of gold

Working with management to ensure full compliance with internal risk and audit processes

Gold loan sales

Signoff and management of branch P&L

Well versed in the usage of LOS, LMS, CRM

Behavioral Competencies

Leadership

Analytics

Strong communication and interpersonal skills