Regional Manager - Gold Loans

About the Role

This position of Regional Manager – Gold Loans is pivotal for driving business expansion, maintaining portfolio quality and profitability, and ensuring operational excellence alongside risk management across the Vijayawada region. The role entails meeting disbursement, revenue, collection, and customer acquisition targets while guaranteeing compliance with gold valuation standards, regulatory policies, audit protocols, and asset security guidelines. Leadership of Area Heads and Branch Managers to cultivate a strong sales and service culture is also a critical responsibility.

Key Responsibilities

• Lead customer acquisition, market expansion, and develop strategic partnerships to enhance wallet share.
• Ensure exceptional customer service and promote client retention across branches.
• Oversee adherence to gold valuation practices, loan-to-value regulations, documentation standards, and approval workflows.
• Manage portfolio sourcing quality and encourage profitable growth.
• Maintain strict compliance with RBI regulations, company policies, and gold custody norms.
• Monitor portfolio health indicators such as delinquency rates, auction performance, risk metrics, and branch profitability.
• Drive branch productivity, operating efficiency, and profitability metrics.
• Recruit, mentor, and develop Area Heads, Branch Managers, and other key personnel, fostering talent development and succession planning.
• Enhance customer experience through complaint resolution and service quality improvements.
• Conduct regular business reviews, MIS analysis, and devise action plans for performance enhancement.

Operational Context and Challenges

The role supervises multiple Area Heads and Branch Managers across the region, striving for business target accomplishment, portfolio quality maintenance, effective audit compliance, and risk mitigation. Challenges include managing rapid growth while preserving portfolio standards, ensuring consistent valuation and risk management practices, sustaining collection efficiency in competitive markets, and building strong leadership teams.

Key Relationships

• Area Heads: Daily coordination on business reviews, performance tracking, and governance.
• Branch Managers: Regular operational management, business planning, and compliance oversight.
• Risk Team: Collaboration for portfolio quality, fraud prevention, and risk mitigation as necessary.
• Audit Team: Interaction based on audit findings and follow-up.
• Operations Team: Daily support for process adherence and customer service.
• HR Team: Monthly engagement for hiring and talent development plans.
• Customers: Addressing relationship management and grievance redressal as needed.
• External Vendors: Coordination for security, auction, valuation, and branch infrastructure requirements.

Competencies Required

Functional Skills: Gold Loan Business Management, Lending & Credit Fundamentals, Portfolio Risk Management, Collections & Recovery Management, Regulatory Compliance, Branch Operations Management, MIS & Business Analytics.

Behavioral Skills: Leadership & Team Management, Customer Centricity, Execution Excellence, Strategic Thinking, Decision Making, Stakeholder Management, Problem Solving.

Preferred Experience

• 10 to 15 years in Gold Loans, Retail Assets, NBFC, Banking, or secured lending sectors.
• At least 3 to 5 years managing multi-branch or multi-state operations.
• Demonstrated success in business growth, collections management, and leading diverse teams.