Branch Manager (BM)

Supra Pacific Financial Services · Palai, Pakistan

Industry: NBFC - Gold Loan Financial Services Investment

Experience: 5-9 years in NBFC, Gold Loan, Banking, or Financial Services

Education: Graduate Postgraduate

Key Responsibilities

Branch Business & Sales

• Achieve branch-level targets for gold loans, investment products, and other financial products .
• Develop and implement strategies for customer acquisition and business growth.
• Generate new business through local market development, referrals, networking, and field activities.
• Identify opportunities for cross-selling and upselling financial products.
• Monitor daily, weekly, and monthly business performance against targets.
• Develop and maintain strong relationships with key customers and local business networks.

Team Management

• Lead, motivate, and manage the branch sales and operations team.
• Allocate targets and responsibilities to team members.
• Monitor individual employee performance and provide regular guidance and coaching.
• Conduct regular team meetings and review business pipelines.
• Support recruitment, onboarding, and training of branch employees.
• Ensure discipline, productivity, and professional conduct within the branch.

Gold Loan & Portfolio Management

• Oversee the complete gold loan process from customer acquisition to disbursement, renewal, repayment, and closure.
• Ensure proper KYC, documentation, valuation, and verification procedures are followed.
• Monitor the branch loan portfolio and repayment/renewal performance.
• Track overdue accounts and coordinate with the team for timely follow-up and collection.
• Minimize portfolio risk while maintaining healthy business growth.
• Ensure proper handling, custody, and documentation of pledged gold as per company policy.

Customer Relationship Management

• Build and maintain long-term relationships with existing and prospective customers.
• Handle important customer queries and complaints and ensure timely resolution.
• Improve customer retention and generate repeat business.
• Ensure a high standard of customer service at the branch.

Operations & Compliance

• Ensure smooth day-to-day branch operations.
• Maintain accurate records, reports, and documentation.
• Ensure strict adherence to company policies, KYC/AML requirements, internal controls, and applicable regulatory guidelines.
• Coordinate with internal departments such as Credit, Operations, Audit, Collections, and HR.
• Support internal and external audits and ensure timely closure of audit observations.
• Monitor cash handling and branch security procedures in accordance with company policy.

Key Skills

• Strong leadership and team management skills.
• Excellent sales and business development capabilities.
• Good knowledge of gold loans and NBFC operations.
• Strong customer relationship management skills.
• Good communication and negotiation skills.
• Target-oriented and result-driven approach.
• Strong analytical and problem-solving abilities.
• Knowledge of KYC, documentation, and basic regulatory/compliance requirements.
• Good knowledge of the local market and customer base.
• Ability to manage multiple branch activities efficiently.

Preferred Experience

Candidates with experience in the following sectors will be preferred:

• Gold Loan Gold Finance
• NBFC
• Banking
• Financial Services
• Investment Wealth Products
• Retail Banking
• Branch Sales & Operations

Key Performance Indicators (KPIs)

• Branch business/disbursement target achievement
• Gold loan portfolio growth
• Investment product business
• New customer acquisition
• Customer retention and repeat business
• Portfolio quality and overdue management
• Team productivity and target achievement
• Cross-selling and upselling
• Branch operational efficiency
• Audit and compliance performance

Compensation

Incentives: Performance-based incentives as per company policy.

Ideal Candidate

The ideal candidate should have strong branch management, sales, team leadership, and customer relationship skills , with practical experience in the NBFC/gold loan or banking sector . The candidate should be capable of independently managing branch business, operations, customer relationships, and team performance while maintaining compliance and portfolio quality.

Location -

Kayamkulam, Palai, Ettumanoor, Chalakkudy, Kottayam, Poojapura, Kanjirapally, Vaikkom, Ulunderpett (TN), Thane (MH), J B Nagar (MH), Punagannur (AP)