Branch Manager - Gold Loan - Delhi - Rohini (Sector 7) - (M1 - M3)

Branch Manager - Gold Loan - Delhi - Rohini (Sector 7) - (M1 - M3) Company: Tata Mutual Fund Job Location: Delhi, India Employment Type: Full-time Salary: 3L6L a year Job Description About the Role 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. ________________________________________ 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 ________________________________________ 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 ________________________________________ 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 ________________________________________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 ________________________________________ 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 ________________________________________ 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 ________________________________________ 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 ________________________________________ 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 Qualifications Educational Qualification . Graduate (preferred: Commerce / Finance / Business) . Certifications in gold appraisal or financial services (preferred) .