Portfolio & Business Management
Manage and grow the branch gold loan portfolio.
Achieve business targets for new loan disbursements, renewals, and overall portfolio growth.
Monitor productivity and profitability of the gold loan product in the branch.
Sales & Customer Engagement
Identify potential customers and generate business leads.
Build strong relationships with existing and potential clients to increase gold loan uptake.
Cross-sell other banking products wherever appropriate.
Operational & Compliance
Ensure gold valuation is accurate and aligned with bank guidelines.
Monitor vault/secured storage and handling of pledged gold.
Ensure all documentation, KYC, and regulatory compliance are adhered to.
Conduct regular audits of loan files and vaults to maintain process integrity.
Team Management (if applicable)
Train, mentor, and supervise branch-level executives handling gold loans.
Guide the team to achieve productivity, compliance, and service standards.
Reporting & MIS
Prepare daily, weekly, and monthly reports on loan disbursement, collection, and portfolio status.
Share insights with branch manager/regional head to improve operations and performance.
Risk & Quality Control
Ensure minimal risk exposure by proper appraisal of loan requests and maintaining quality portfolio.
Handle customer complaints effectively and escalate when needed.
Competitive salary: Typically ₹3–8 LPA depending on experience and branch location.
Performance incentives / bonus: Linked to portfolio growth, new business, and collection efficiency.
Field / travel allowance: For official visits to clients or multiple branches.
Structured growth path: Opportunity to advance to Senior Officer → Assistant Branch Manager → Branch Manager → Cluster/Regional Manager.
Skill development: Exposure to secured lending, gold appraisal, vault operations, customer relationship management, and credit assessment.
Cross-product knowledge: Experience in other banking products like retail loans, deposits, credit cards, insurance, and mutual funds.
Medical / health insurance: Coverage for employee (and sometimes family) under bank policy.
Provident Fund (PF) & Gratuity: As per Indian banking regulations.
Paid leaves & holidays: Annual leave, sick leave, festival holidays.
Travel reimbursement: For official duties and field visits.
Training & workshops: Bank-sponsored programs for continuous professional development.
Job stability: Private sector banking offers steady employment compared to smaller NBFCs.
Employee banking benefits: Preferential interest rates on loans, deposits, and other products.
Networking: Build strong professional contacts with customers, vendors, and internal teams.
Axis Bank Limited — Company Profile Network & Presence Total Employees: ~104,400 Branches in India: 5,876 ATMs & Cash Recyclers: 13,941 Overseas Offices: 8 Rural / Semi-Urban Branches: ~47% of total branches... Read More