Branch Manager

3 weeks ago

Madurai, India Tvs Credit Services Ltd Full time

Job Description Responsibilities: Branch-Level Activities: - Manage and oversee the Gold Loan portfolio of the branch, ensuring effective utilization and growth. - Lead all branch 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 gold loan schemes and enhancing brand visibility. Team Leadership: - Coach, mentor, and provide timely feedback to branch employees, fostering a high-performance culture. - Facilitate training sessions to enhance employee skills and professional development. Reporting and Analysis: - Prepare accurate and timely reports on branch performance and operational metrics. - Use data insights for identifying areas of improvement and making strategic decisions to grow the Gold Loan business in the catchment area. Customer Engagement: - Implement customer engagement strategies to acquire new customers and improve retention. - Assist clients throughout their gold loan financing journey, addressing their needs and concerns promptly. Business Quality Performance: - Maintain and enhance the quality of the gold loan portfolio by driving growth actions. - Ensure timely and effective collection efforts and manage provisions for NPAs to maintain branch financial health and compliance. Valuation and Compliance: - Maintain accurate valuation of gold ornaments pledged, ensuring compliance with company policies and audit standards. - Verify weight and purity assessments using methods like acid and salt test, scratch test, weight test, smell test, flexibility test, and sound test. - Ensure proper storage and safety of gold and cash assets in branch vaults. Risk Management: - Ensure branch operations follow compliance norms related to opening and closing procedures. - Oversee and validate safe operations by designated employees, maintaining strict adherence to company policies. - Uphold safety standards for branch infrastructure, ensuring a secure and risk-free environment. - Protect gold assets stored in branches and vaults, maintaining rigorous security standards.

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