Brand Manager

• 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.

• Ensure proper housekeeping and effective internal controls within the branch.

• Supervise safe deposit locker operations wherever applicable.

• Ensure compliance with procedures related to inter-branch and HO fund transfers.

• Verify and validate all incoming and outgoing bills and vouchers.

• Exercise cost control measures in stationery, electricity, internet, and telephone usage.

• Ensure proper maintenance of branch premises, furniture, fixtures, and company assets.

• Ensure timely payment of rent, utility bills, taxes, and renewal of lease agreements.

• Ensure compliance with all statutory and regulatory requirements communicated by Corporate Office.

• Handle all incoming and outgoing mails and official correspondence promptly.

• Monitor overdue gold loans and initiate timely recovery actions.

• Ensure timely submission of reports, control statements, and returns.

• Rectify audit observations and inspection irregularities promptly and submit compliance reports.

• Perform additional operational responsibilities during staff shortages or exigencies.

• Familiarize and comply with manuals, circulars, and administrative instructions issued by Corporate Office.

• Ensure strict adherence to procedures relating to strong room operations, key custody, cash handling, pledged ornaments, cheque books, and loan documents.

• Adhere to KYC norms and ensure collection of valid customer identification and address proof documents.

• Verify customer signatures and supporting documents for authenticity.

• Ensure compliance with principles and procedures governing gold loan sanctions.

• Scrutinize loan documents, debenture accounts, and related records.

• Conduct regular verification of gold loan packets for accuracy and compliance.

• Ensure proper compliance with branch-to-HO fund transfer 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.

• It is a Full Time Sales / Business Development job for candidates with 4 - 5 years of experience.