Job Description

Branch Manager – Key Roles \& ResponsibilitiesBusiness Responsibilities

Drive business growth and achieve all allotted business targets.
Foster a culture of excellence and performance among employees under supervision.
Ensure active staff participation in campaigns, events, and login days organized by the company.
Lead and motivate employees to conduct daily door\-to\-door marketing activities for business development.
Organize monthly customer meets to strengthen customer engagement and relationships.
Recognize and reward outstanding performers through initiatives such as “Best Employee of the Month.”
Promote healthy competition among branches to improve productivity and operational performance.
Identify, adopt, and implement successful ideas and practices from internal and external performers.
Conduct weekly staff meetings to review business performance and discuss operational matters.
Execute assignments and responsibilities delegated by RM/ZM/Corporate Office.
Focus on achieving budgets related to NCDs, sub\-debts, advances, insurance, and other financial products.
Enhance company profitability through effective business development initiatives.
Ensure high employee efficiency and superior customer service standards.
Educate customers regarding company products including gold loans, NCDs, sub\-debts, and insurance services.
Undertake additional responsibilities assigned by CO/ZM/RM from time to time.

Operations Responsibilities

Ensure safe handling and transit of cash and gold during branch and zonal transfers.
Verify and complete all required documentation before loan disbursement.
Ensure secure custody and maintenance of all loan documents.
Verify, appraise, and authenticate gold ornaments pledged as loan security.
Involve staff members in business development and loan recovery activities.
Supervise and control all sections and operational activities within the branch.
Conduct regular verification and tallying of cash, gold, and securities.
Maintain accurate records of vouchers, ledgers, postings, and branch statements.
Jointly supervise strong room operations and maintain strict access control.
Monitor branch cash flow and report cash movements promptly to concerned authorities.
Oversee branch banking operations and company accounts maintained with local banks.
Reconcile and balance all branch accounts as per prescribed procedures.

Compliance Responsibilities

Ensure compliance with customer standing instructions related to accounts and interest payments.
Follow prescribed procedures for opening, operating, and closing NCD, sub\-debt, and gold loan accounts.
Verify authenticity of self\-attested KYC documents during gold loan creation.
Verify authenticity of documents submitted during gold loan closure by customers, nominees, or legal heirs.
Ensure compliance with company circulars and legal procedures regarding seizure of pledged ornaments by authorities.
Immediately report notices and communications received from advocates, courts, police, or government departments to Corporate Office.
Ensure all required translated copies of legal or official communications are forwarded where necessary.

Human Resource Responsibilities

Guide, train, and supervise Assistant Branch Managers and branch staff members.
Monitor staff attendance and submit reports to AM/RM/ZM/Corporate Office.
Allocate duties and responsibilities effectively among employees.
Provide training and operational guidance to probationers and trainees.
Rotate staff responsibilities periodically to support employee development and operational flexibility.
Maintain cordial employee relations and promote productivity within the branch.
Handle staff administration activities including leave management, salary coordination, PF deductions, and statutory remittances.
Ensure timely renewal of statutory licenses and payment of applicable license fees.
Undertake additional responsibilities delegated by higher authorities as required.
Remain subject to internal reviews and performance evaluations conducted periodically.