Area Head - Gold Loan, Najibabad

Role Overview

The Area Head for Gold Loans is entrusted with executing strategic growth, profitability, portfolio quality, and compliance oversight across an assigned region. This role involves leading teams to meet targets related to assets under management (AUM), disbursement, profit and loss, branch expansion, and regulatory adherence.

Key Responsibilities

• Establish and maintain new and existing stakeholder relationships across enabling functions and regional teams.
• Manage multiple branch heads and branch teams within the designated area.
• Develop detailed business plans, structuring manpower, and setting productivity standards aligned with national objectives.
• Ensure complete compliance with all relevant regulatory guidelines.
• Continuously monitor the portfolio and stay updated with market trends impacting gold loans.

Organizational Context

Aditya Birla Capital Limited (ABCL), a Systematically Important NBFC registered with the RBI, ranks among India's leading diversified private NBFCs. As of September 2025, ABCL operates pan-India with a lending portfolio near INR 139,500 Crores. Its lending solutions range from retail and MSMEs to large corporates, including secured and unsecured loans, digital loans, SME loans, and wealth management services. ABCL holds a "AAA" rating from India Ratings, ICRA, and CARE, and has been recognized with various awards for business excellence.

Business Context and Challenges

• Implement the regional gold loan strategy into actionable area-level plans ensuring rapid growth paired with stringent risk controls.
• Oversee profit and loss accountability while upholding risk management and legal compliance standards.
• Combat challenges such as fluctuating gold prices affecting loan-to-value (LTV) ratios, maintaining low non-performing assets (NPAs), and safeguarding assets against fraud and internal collusion.
• Drive performance improvements in underperforming branches and optimize costs within a high-volume, low-ticket business model.
• Maintain branch reputation by ensuring transparent, efficient, and ethically respectful customer service interactions.

Key Performance Indicators

• Growth in AUM year-over-year and quarter-over-quarter.
• Achievement of disbursement targets versus planned amounts.
• Increase in active customer base and market share in key regions.
• Maintain optimal loan ticket sizes and balance new versus renewal loans.
• Improvement in net interest margin, yield on gold loan portfolio, and cost-to-income ratio.
• Monitor asset quality metrics such as GNPA/NNPA levels, compliance with LTV norms, fraud incidents, and auction losses.
• Expand and optimize branch network, including new branch openings, break-even times, and reducing low-performing branches.
• Enhance frontline sales productivity and cost-effective customer acquisition.
• Ensure strict adherence to RBI/internal audit observations and regulatory compliance.
• Lead people development including attrition management, role readiness, training coverage, and productivity improvements.

Team Reporting and Relationships

Direct reports typically include Branch Managers for Gold Loans. In their absence, the Manager for Gold Valuation, Gold Loan Officers, and Customer Service Executives report up. The role necessitates frequent collaboration with internal departments like IT, Marketing, Risk Policy, Audit, Compliance, and HR as well as external stakeholders such as customers, channel partners, investment banks, and vendors for coordinated business and product initiatives.