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ABCL
Aditya Birla Capital Limited

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr
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Job Description

Aditya Birla Capital Limited

AH - Gold Loan - Kalyandurgam

Location: Kalyanadurgam, Andhra Pradesh
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Job Description

Job Description – Branch Manager (Gold Loan)

Location: Kalyandurgam, Andhra Pradesh

Position Title

Branch Manager – Gold Loan

Reporting To

Regional Sales Manager / Area Business Manager

Job Purpose

The Branch Manager will be responsible for driving branch profitability, business growth, portfolio quality, customer acquisition, and overall branch operations. The role involves managing Gold Loan business, leading branch staff, ensuring compliance with company policies, and delivering a superior customer experience.

Key Responsibilities

  1. Drive Gold Loan business growth by acquiring new customers and increasing branch portfolio.
  2. Achieve monthly, quarterly, and annual business targets for disbursement, revenue, and profitability.
  3. Manage end-to-end branch operations including customer servicing, documentation, and loan processing.
  4. Lead, coach, and motivate branch employees to enhance productivity and performance.
  5. Ensure accurate valuation of pledged gold through effective supervision of valuation activities.
  6. Monitor branch portfolio quality, collections, and overdue accounts to maintain healthy asset quality.
  7. Develop local market penetration strategies and build strong relationships with customers, traders, and influencers.
  8. Conduct field visits and customer interactions to generate business opportunities and strengthen market presence.
  9. Ensure compliance with regulatory requirements, audit standards, and company policies.
  10. Monitor branch cash management, security procedures, and safe custody of pledged ornaments.
  11. Analyze branch performance metrics and initiate corrective actions to improve productivity and profitability.
  12. Handle customer grievances and ensure timely resolution to maintain high customer satisfaction levels.

Key Performance Indicators (KPIs)

  • Gold Loan portfolio growth
  • Branch profitability
  • Disbursement achievement
  • Customer acquisition
  • Collection efficiency
  • Portfolio quality and delinquency control
  • Audit and compliance scores
  • Team productivity and retention

Desired Candidate Profile

  • Graduation in any discipline; MBA preferred.
  • 4–8 years of experience in Gold Loan, NBFC, Banking, or Financial Services.
  • Minimum 1–2 years of team handling experience.
  • Strong understanding of Gold Loan operations, valuation process, and branch management.
  • Proven track record of achieving business targets.
  • Good leadership, communication, and relationship management skills.
  • Knowledge of the local Kalyandurgam market will be an added advantage.

Skills Required

  • Business Development
  • Team Management
  • Customer Relationship Management
  • Gold Loan Operations
  • Portfolio Management
  • Collections & Risk Management
  • Branch Administration
  • Compliance & Audit Management

Preferred Industry

  • Gold Loan Companies
  • NBFCs
  • Banks
  • Financial Services Organizations

Location Preference: Candidates with exposure to Anantapur, Kalyandurgam, Rayalaseema region, and surrounding markets will be preferred.

Minimum Experience Level

2 - 10 years

Job Qualifications

Graduate

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