Branch Manager GL Santacruz

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

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.

2) 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)

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-Sep25 ABCL has a pan-India presence with a lending book of approx. Rs. 139500 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 highimpact team and ensuring branch-level risk controls

Key Challenges:

• Achieving aggressive customer acquisition disbursement and tonnage growth in competitive local markets.
• Maintaining strict LTV adherence gold purity compliance and accurate valuation amid gold price fluctuations.
• Ensuring timely closure of spurious/bentex cases and minimizing auction-to-book ratio.
• Driving collection resolutions for 030 DPD while preventing slippages.
• Ensuring branch audit scores >90% with zero tolerance deviations.
• Delivering consistent customer experience in high-sensitivity product category (emotional asset).
• Motivating and developing frontline staff for continuous sales and service productivity

4) Key Result Areas:Writethe 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

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)

• Assistant Branch Manager: Support branch business operations supervise frontline staff and drive daily productivity.
• Manager Gold Valuation: Ensure accurate valuation purity checks risk adherence and secure handling of gold assets.
• Gold Loan Officer: Acquire customers drive disbursement manage renewals and maintain documentation accuracy.
• Customer Service Executive: Deliver superior customer experience manage service transactions and support branch operations.

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.