Branch Manager Job in Tvs Credit Services Ltd

Job Title: Branch Manager Gold Loan

Department: Sales

Location: Chennai

Job Type: Full-Time | Permanent

Reporting To: Business Manager Gold Loan

Job Purpose:

As the Branch Manager Gold Loan at TVS Credit, you will be responsible for overseeing the end-to-end operations and business performance of your branch. This role focuses on driving gold loan disbursements, managing branch operations, leading the team, ensuring compliance, and delivering exceptional customer service. Your leadership will directly impact profitability, asset quality, and customer retention.

Key Responsibilities:

Branch Operations & Business Growth:

• Manage the gold loan portfolio for the branch and ensure sustained business growth.
• Lead all operational aspects including loan disbursements, cash management, gold vault handling, customer onboarding, and compliance with internal policies.
• Drive local marketing activities and outreach programs to increase brand visibility and customer acquisition.

Team Leadership & Development:

• Lead, coach, and mentor branch staff to maintain a high-performance culture.
• Conduct periodic training and skill-building sessions to ensure the team is up-to-date with policies, processes, and customer handling practices.

Performance Monitoring & Reporting:

• Analyze branch performance data and prepare regular reports on business KPIs, including disbursement targets, collections, and operational metrics.
• Leverage insights for decision-making and strategic improvements in the branch s gold loan portfolio.

Customer Engagement & Retention:

• Ensure high standards of customer service and relationship management to drive loyalty.
• Act as a trusted advisor to clients throughout their gold loan lifecycle, resolving issues efficiently.

Credit Quality & Collections:

• Maintain gold loan portfolio quality through proactive customer follow-up and timely collections.
• Monitor and control Non-Performing Assets (NPAs) and ensure adherence to internal risk thresholds.

Valuation & Compliance:

• Oversee accurate valuation of pledged gold using standard techniques (e.g., scratch test, acid test, flexibility test).
• Ensure secure storage of gold and cash within the branch, following vault protocols and audit guidelines.
• Comply with all internal audit, risk, and regulatory standards during day-to-day operations.

Risk Management & Security:

• Monitor opening and closing protocols for branch operations to maintain compliance and security standards.
• Ensure safety of gold and financial assets through rigorous branch-level checks and controls.

Qualifications & Experience:

• Education: Bachelor s or Postgraduate Degree (MBA in Finance preferred)
• Experience: Minimum 6 years in Gold Loan operations, preferably in NBFCs or Banks

Key Functional Competencies:

• Deep understanding of gold loan valuation, pricing, and schemes.
• Experience in branch-level P&L management.
• Familiar with loan origination systems (LOS), LMS, and CRM platforms.
• Strong knowledge of risk management, audit, and compliance processes.

Behavioral Competencies:

• Leadership: Ability to manage and motivate a team effectively.
• Analytical Thinking: Data-driven decision-making.
• Customer Orientation: Strong service mindset.
• Communication: Excellent interpersonal and verbal skills.

Why Join Us?

This is an opportunity to lead one of the most critical and fast-growing business verticals in TVS Credit. You ll work in a performance-driven culture, take ownership of a branch, and directly contribute to the company s growth while empowering local communities through gold-backed financing.