Area Head - Gold Loans - Delhi

Role Overview

This position is responsible for leading gold loan operations and business growth across the assigned geography. The role focuses on scaling the portfolio responsibly, improving profitability, maintaining strong asset quality, strengthening branch productivity, and ensuring strict compliance with internal policies and regulatory expectations.

Key Result Areas

The role is measured across business growth, profitability, portfolio safety, sales effectiveness, operational excellence, and team leadership.

Business Growth and Scale

• Expand the portfolio in a sustainable manner, with attention to year-on-year and quarter-on-quarter AUM growth.
• Improve disbursement value against plan and grow the active customer base.
• Strengthen market share in key locations and raise average ticket size.
• Maintain a healthy balance between new and renewal loan business.

Profitability and P&L Ownership

• Drive profitable growth while maintaining cost discipline.
• Monitor and improve net interest margin, portfolio yield, and cost-to-income ratio.
• Support operating profit growth and improve return on assets and return on equity.
• Increase incremental profit contribution from each branch.

Portfolio Quality and Risk Control

• Ensure strong asset quality and safe collateral management.
• Track GNPA and NNPA, SMA buckets, and adherence to gold loan LTV norms.
• Minimize auction losses and fraud incidents.
• Improve recoveries after delinquency.

Branch Productivity

• Support expansion by delivering branches as per plan.
• Reduce break-even time for new branches and lift AUM per branch.
• Improve disbursement productivity at branch and relationship manager levels.
• Work on reducing the count of underperforming branches.

Sales Effectiveness and Customer Acquisition

• Increase productivity of sales teams and branch managers.
• Improve acquisition efficiency, lead-to-disbursement conversion, repeat business, and cross-sell or upsell performance.
• Reduce customer acquisition cost while expanding customer reach.

Compliance, Audit, and Regulatory Adherence

• Maintain compliance with RBI requirements and internal audit standards.
• Minimize policy deviations and ensure accurate documentation.
• Ensure proper gold purity testing practices and uphold zero-tolerance standards for breaches.

People Leadership and Capability Building

• Lead branch and sales teams to improve performance and reduce attrition.
• Shorten vacancy turnaround time for critical roles and build succession readiness.
• Increase training coverage and ensure productivity improves after training interventions.

Additional Information

The source provides the performance measures and key deliverables for the role, but does not mention salary, perks, experience requirement, education requirement, application deadline, or number of openings.