Circle Head - Bangalore

Role overview

Aditya Birla Capital is hiring a Circle Head for Bangalore to lead business growth, improve profitability, strengthen portfolio quality, and build a high-performing branch network. The role focuses on sustainable expansion, strong customer acquisition, disciplined risk management, and compliance excellence across the circle.

Key result areas

The position is measured across the following business outcomes:

• Sustainable business scale-up through year-over-year and quarter-over-quarter AUM growth, disbursement value against plan, active customer growth, market share in key geographies, average ticket size, and the mix of new versus renewal loans.
• Profit and loss management with disciplined growth, tracked through net interest margin, yield on the gold loan portfolio, cost-to-income ratio, operating profit, ROA/ROE, and incremental profit generated per branch.
• Portfolio quality and risk control to protect collateral and asset quality, including GNPA/NNPA, SMA 0–30 and 31–90 day levels, gold loan LTV compliance, auction loss, fraud incidence by count and value, and recovery rate after delinquency.
• Branch productivity improvements covering the number of new branches opened versus plan, breakeven time for new branches, AUM per branch, disbursement per branch and per RM, and reduction in low-performing branches.
• Sales effectiveness and customer acquisition, measured by disbursement per sales officer and branch manager, customer acquisition cost, lead-to-disbursement conversion, repeat customer ratio, and cross-sell/upsell ratio.
• Compliance, audit, and regulatory adherence, including RBI and internal audit observations, policy deviation cases, gold purity testing compliance, documentation accuracy, and zero-tolerance breach incidents.
• People leadership and capability building through sales and branch staff attrition, critical role vacancy turnaround time, successor readiness for key positions, training coverage, and productivity gains after training.

Supporting actions

The leader is expected to translate these metrics into day-to-day operating actions by coordinating branch execution, monitoring performance trends, enforcing control frameworks, and building team capability. The role also requires close attention to profitability, customer growth, branch economics, and operational discipline across the circle.

Additional information

The source includes performance metrics and management priorities, but does not mention salary, perks, education, eligibility criteria, notice period, start date, duration, or number of openings.