Assistant Branch Manager

Assistant Branch Manager – Duties & Responsibilities

ICL FINCORP LTD: NBFC – Gold Loan, Investment & Insurance

1. Branch Business & Sales

• Support the Branch Manager in achieving monthly and annual branch targets.

• Drive Gold Loan, Gold Loan renewal, top-up, Investment/NCD, and Insurance business.

• Generate new customers through field visits, customer references, campaigns, and local marketing.

• Monitor daily business performance and take corrective action to achieve targets.

• Focus on customer retention and cross-selling of financial products.

2. Branch Operations

• Assist the Branch Manager in managing day-to-day branch operations.

• Ensure smooth functioning of the branch in accordance with company policies and procedures.

• Support proper handling, documentation, and maintenance of Gold Loan transactions.

• Ensure timely opening and closing of the branch and proper maintenance of records.

3. Gold Loan Operations

• Assist in gold appraisal and ensure proper adherence to company procedures.

• Verify loan documentation, customer KYC, pledge documents, and related records.

• Ensure proper custody and handling of pledged gold as per company policy.

• Support Gold Loan renewal, closure, auction, and recovery activities.

• Ensure dual verification and compliance with applicable operational controls.

4. Customer Service

• Handle customer queries, complaints, and service-related issues.

• Ensure professional and timely customer service.

• Build strong relationships with existing customers and identify new business opportunities.

• Maintain customer confidentiality and protect customer information.

5. Collection & Recovery

• Monitor overdue accounts and support collection activities.

• Follow up with customers for overdue payments and loan renewals.

• Conduct customer visits for recovery wherever required.

• Coordinate with the Branch Manager and recovery team for NPA reduction.

6. Team Supervision

• Supervise and guide Branch Executives, Junior Officers and other branch staff.

• Allocate daily work and monitor employee productivity.

• Support the Branch Manager in achieving individual and team targets.

• Identify employee training requirements and provide on-the-job guidance.

• Ensure discipline, attendance, punctuality, and professional conduct of branch staff.

7. Compliance & Audit

• Ensure compliance with company policies, SOPs, KYC/AML requirements, and regulatory guidelines.

• Maintain accurate branch records and registers.

• Support internal, statutory, and surprise audits.

• Immediately report any operational irregularities, suspected fraud, documentation issues, or security concerns to the Branch Manager and management.

8. Cash & Security

• Support proper handling and monitoring of branch cash transactions.

• Ensure adherence to cash holding and security procedures.

• Assist in safe/locker operations as per dual-control and authorization requirements.

• Ensure CCTV, alarm, keys, registers, and other security controls are properly maintained.

9. MIS & Reporting

• Prepare and submit daily/weekly/monthly branch performance reports.

• Monitor Gold Loan outstanding, disbursement, renewal, collection, NPA, and other KPIs.

• Provide accurate business and operational data to the Branch Manager and Regional Office.

• Track branch targets versus actual performance.

10. Branch Manager Support

• Act as the Branch Manager's backup and take charge of branch operations in the BM's absence.

• Assist in implementing management instructions and business strategies.

• Coordinate with Cluster/Regional Managers and the Regional Office.

• Ensure continuity of business and operations during staff shortages or emergencies.

Key Performance Indicators (KPIs)

• Gold Loan disbursement and portfolio growth

• Gold Loan renewal and customer retention

• Investment/NCD and Insurance business

• New customer acquisition

• Collection and NPA reduction

• Branch profitability

• Employee productivity

• Audit and compliance performance

• Customer service quality

• Achievement of branch targets

• It is a Full Time Sales / Business Development job for candidates with 2 - 6+ years Experience.