Branch Manager

2 days ago


Kerala Maharashtra Punjab, India Muthoot Mercantile Full time ₹ 12,00,000 - ₹ 36,00,000 per year

.Role & responsibilities

  • Business Growth & Sales
  • Drive disbursal of gold loans, grow assets under management (AUM) for the branch
  • Generate new customers in the market (open market customers) and renewals for existing customers.
  • Lead and implement branch-level marketing and field activities to build pipeline.
  • Operations & Branch Management
  • Manage day-to-day operations of the branch including loan processing, valuations, disbursals, documentation.
  • Ensure correct valuation of gold jewellery, manage safekeeping of pledged gold (vault/locker) as per policy.
  • Monitor cash/inventory/branch logistics and ensure smooth functioning.
  • Team Leadership & People Development
  • Hire/train/motivate branch staff; set targets, conduct reviews, and build high performance culture.
  • Foster alignment with branch goals and ensure staff understand sales/operations/compliance responsibilities.
  • Collections & Portfolio Quality
  • Ensure timely interest collections, manage delinquency / NPA exposure; minimise bucketed/non-performing assets.
  • Monitor portfolio quality, ensure risk mitigation, and ensure valuation risk is under control.
  • Compliance, Risk & Audit
  • Enforce strict adherence to all regulatory / company policies (KYC, documentation, valuation norms, vault security).
  • Prepare reports (daily/weekly/monthly) of branch performance, submit to head office; participate in audits.
  • Customer Service & Relationship Management
  • Ensure high level of customer satisfaction; build trust/relationships to drive repeat business and referrals.
  • Resolve escalated customer complaints and operational issues in a timely way.

Preferred candidate profile

  • Graduate in any discipline; MBA or PG diploma in Finance/Marketing preferred.
  • 4-7 years of relevant experience in gold-loan / operations, with at least some team-lead experience.
  • Proven track record in sales, operations and collections in gold-loan

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