Role Purpose
To drive efficient, compliant, and customer-centric branch operations for the Gold Loan business, ensuring seamless execution of end-to-end processes including disbursement, servicing, custody, and regulatory adherence, while supporting business growth and superior customer experience.
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Key Responsibilities
1. Branch Operations Management
- Oversee end-to-end gold loan operations including sourcing support, appraisal coordination, disbursement, renewals, and closures
- Ensure adherence to defined TATs and operational SLAs across all customer transactions
- Manage daily branch activities including cash handling, documentation, and transaction processing
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2. Gold Loan Process & Custody Management
- Ensure secure handling, storage, and audit of pledged gold and related documentation
- Maintain strict control over gold custody, vault operations, and reconciliation
- Monitor adherence to valuation standards and internal guidelines for gold appraisal
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3. Compliance & Risk Management
- Drive 100% compliance with regulatory norms, internal policies, and audit requirements
- Conduct periodic internal checks on KYC, documentation, and transaction accuracy
- Identify and mitigate operational risks, fraud risks, and process gaps
- Ensure readiness for internal/external audits and closure of audit observations
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4. Customer Service Excellence
- Ensure high-quality service delivery and quick resolution of customer queries within defined TATs
- Drive customer satisfaction, retention, and cross-sell effectiveness
- Maintain strong customer relationships and complaint resolution mechanisms
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5. Team Management & Productivity
- Lead and manage branch operations staff including tellers and back-office teams
- Drive productivity, discipline, and adherence to operational processes
- Enable capability building through on-the-job coaching and training
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6. Business Support & Growth Enablement
- Support sales team in achieving business targets through efficient backend operations
- Ensure readiness of branch infrastructure and processes to handle business scale
- Provide insights through MIS, reconciliation reports, and operational dashboards
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7. Audit, Control & Reporting
- Conduct daily/periodic reconciliations (cash, gold, accounts)
- Ensure accuracy in reporting, MIS submission, and compliance documentation
- Coordinate with central teams for operational reporting and system updates
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Key Skills & Competencies
(Aligned to market benchmarks and profiles)
- Gold loan operations & branch banking operations
- KYC, compliance, and regulatory knowledge
- Customer service & relationship management
- Team management and branch handling
- Risk management and audit handling
- Cash management & reconciliation
- MS Excel / operational MIS reporting
Qualification
- Graduate (B.Com / BBA / B.Sc preferred)
- MBA/PGDM or relevant certifications preferred
