Area Head - Ahmedabad

Role Overview

This position leads area-level performance for a gold loan business across Ahmedabad and surrounding markets in Gujarat. The focus is on expanding the business in a controlled way, protecting asset quality, improving branch productivity, and ensuring that all operations remain compliant with policy and regulatory expectations.

Key Result Areas

1) Sustainable business growth

• Track year-on-year and quarter-on-quarter AUM growth.
• Monitor disbursement value against plan in INR.
• Increase the active customer base.
• Strengthen market share in key geographies.
• Improve average ticket size or loan amount.
• Balance growth between fresh business and renewals.

2) Profitability and P&L control

• Drive profitable growth while keeping expenses in check.
• Manage net interest margin and gold loan portfolio yield.
• Control the cost-to-income ratio.
• Improve operating profit and return metrics such as ROA and ROE.
• Increase incremental profit contribution from each branch.

3) Portfolio quality and risk control

• Maintain strong asset quality and safe collateral practices.
• Monitor GNPA and NNPA levels closely.
• Keep SMA buckets within acceptable limits.
• Ensure adherence to gold loan LTV norms.
• Reduce auction losses and fraud incidents.
• Improve recovery performance after delinquency.

4) Branch productivity

• Expand the branch network as per plan.
• Shorten break-even time for new branches.
• Improve AUM and disbursement productivity at branch and RM level.
• Reduce underperforming branches.

5) Sales effectiveness and customer acquisition

• Lift disbursement productivity for sales officers and branch managers.
• Improve customer acquisition efficiency and lower acquisition cost.
• Raise conversion from leads to disbursements.
• Encourage repeat business and cross-sell / upsell opportunities.

6) Compliance, audit, and regulatory discipline

• Track RBI and internal audit observations and close gaps quickly.
• Minimize policy deviation cases.
• Ensure proper gold purity testing.
• Maintain high documentation accuracy.
• Operate with zero tolerance for breach incidents.

7) People leadership and capability building

• Manage attrition across sales and branch teams.
• Improve turnaround time for filling critical roles.
• Build succession readiness for key positions.
• Expand training coverage and measure productivity gains after training.

Additional Information

No stipend or salary details were provided in the source. The role is listed as a full-time, on-site position in Gujarat, India.