Assistant Branch Manager

Kadanthottu Finance Pvt Ltd, a leading NBFC licensed under the Reserve Bank of India (RBI), is seeking a Assistant.Branch Manager – Gold Loans -Branches (Kottayam, Puthupally, Vakathanam, Paippad) to oversee and manage gold loan operations. This role requires a dynamic individual with a proven track record in business development, operations management, and team leadership in the gold loan sector. The ideal candidate will drive business growth, ensure operational efficiency, and maintain high standards of customer service and compliance.

Key Responsibilities:1. Business Development & Revenue Growth

• Strategy Execution: Develop and implement innovative strategies to drive gold loan disbursements, focusing on achieving and exceeding set business targets.
• Market Expansion: Identify and explore new business opportunities to expand the market reach within the assigned territory.
• Relationship Building: Establish and maintain strong relationships with key customers, business partners, and stakeholders to foster business growth.
• Competitor & Market Analysis: Continuously monitor the competition and market trends, devising strategies that maintain a competitive edge in the market.

2. Operations & Branch Management

• Branch Oversight: Ensure the smooth and efficient functioning of gold loan branches in the assigned area, optimizing operations to achieve business goals.
• Loan Process Management: Monitor all loan processing, documentation, and disbursement activities to ensure strict compliance with internal policies and regulatory guidelines.
• Field Visits & Support: Conduct regular field visits to branches local areas to assess operations, address challenges, and provide necessary operational support and identify new customers.
• Gold Valuation & Storage: Ensure proper valuation, authentication, and secure storage of pledged gold in accordance with company protocols and regulatory standards.

3. Team Leadership & Performance Management

• Performance Monitoring: Set clear performance goals for the team, and ensure regular monitoring and evaluation of individual and team performance.
• Motivation & Guidance: Inspire and motivate the team to achieve sales targets and maintain high standards of service and operational efficiency.

4. Customer Service & Relationship Management

• Customer Service Excellence: Ensure that all branches uphold the highest standards of customer service, delivering a seamless experience to all customers.
• Issue Resolution: Address and resolve customer grievances promptly, ensuring effective solutions and high levels of customer satisfaction.
• Retention Initiatives: Implement initiatives designed to improve customer retention, loyalty, and long-term relationships with the company.

5. Risk & Compliance Management

• Regulatory Adherence: Ensure full compliance with Kadanthottu Finance's internal policies, RBI/NBFC guidelines, and any other relevant regulatory norms.
• Risk Mitigation: Develop and implement risk management strategies to minimize fraud, defaults, and any operational risks.
• Audits & Compliance Checks: Conduct regular audits and compliance checks to ensure the highest standards of risk management and regulatory adherence.
• Portfolio Health: Ensure the timely collection of loan repayments and interest, maintaining the health of the loan portfolio and minimizing overdue issues.

Key Qualifications & Skills:

• Experience: 3+ years of experience in the gold loan industry or financial services, with at least 1 years in a managerial or leadership role.
• Leadership Skills: Proven ability to lead and manage teams, with a focus on driving performance, training, and motivation.
• Industry Knowledge: Strong understanding of gold loan products, loan processing, compliance requirements, and risk management strategies.
• Customer-Focused: Exceptional skills in customer service, relationship management, and conflict resolution.
• Analytical Skills: Ability to analyze market trends, monitor competition, and devise strategies to maintain a competitive advantage.
• Communication: verbal and written communication skills with the ability to liaise effectively with internal and external stakeholders.
• Compliance & Risk Management: knowledge of RBI regulations and compliance standards related to NBFCs and gold loan operations.

To Apply:

Interested candidates can apply by submitting their resume to Please mention the subject line as "Application for Assistant.Branch Manager – mention the Branch you are applying for ( Vacancies Available - Kottayam, Puthupally, Vakathanam, Paippad, )

Job Type: Full-time

Pay: ₹15, ₹20,000.00 per month

Benefits:

• Cell phone reimbursement
• Leave encashment
• Paid time off

Education:

• Bachelor's (Preferred)

Experience:

• Field sales: 2 years (Preferred)
• Banking: 3 years (Preferred)

License/Certification:

• Driving Licence (Required)

Willingness to travel:

• 75% (Required)

Work Location: In person