AAH - Gold Loan - Nandyala

Aditya Birla Capital; Andhra Pradesh; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

Aditya Birla Capital's Associate Area Head – Gold Loans in Nandyala, Andhra Pradesh leads growth, branch operations, portfolio quality, and sales teams across the area, driving targets and customer acquisition while ensuring compliance and service excellence.

The role requires 5–8 years in Gold Loans/Banking with 2–3 years of team leadership, willingness to travel within the geography, and strong leadership and stakeholder management to build a high-performance, customer-centric culture.

Qualifications

• Graduate in any discipline; PG preferred.
• 5–8 years in Gold Loans, NBFC, Banking or Financial Services.
• Min 2–3 years of team handling experience.
• Strong understanding of Gold Loan operations and portfolio management.
• Proven track record of achieving business and sales targets.
• Excellent leadership, communication and stakeholder management.
• Willingness to travel extensively within the geography.

Responsibilities

• Drive Gold Loan business growth across assigned branches within the area.
• Achieve disbursement, revenue, portfolio and profitability targets.
• Increase market penetration through customer acquisition and local marketing.
• Identify opportunities and develop strategies for portfolio expansion.
• Monitor branch performance and implement corrective actions.
• Lead, mentor and develop Branch Managers and field teams.
• Ensure risk management and adherence to credit policies.
• Ensure compliance with policies, audits and regulatory guidelines.
• Build strong customer relationships and drive retention and cross-selling.
• Analyze MIS and present periodic business reviews and insights.

Skills

Gold Loans operations

Team leadership

Stakeholder management

Sales & business development

Education

Graduate in any discipline

Postgraduate qualification preferred

Job description

Location: Nandyala, Andhra Pradesh

Department: Gold Loans

Reporting To: Area Head / Regional Business Manager

Job Purpose

The Associate Area Head will be responsible for driving business growth, managing branch operations, ensuring portfolio quality, and leading sales teams across the assigned geography. The role involves achieving business targets, enhancing customer acquisition, maintaining operational compliance, and supporting branch teams to deliver superior customer service.

Key Responsibilities

Business Development & Sales

• Drive Gold Loan business growth across assigned branches within the area.
• Achieve disbursement, revenue, portfolio, and profitability targets.
• Increase market penetration through customer acquisition and local marketing initiatives.
• Identify business opportunities and develop strategies for portfolio expansion.
• Monitor branch-wise performance and implement corrective action plans to achieve targets.

Team Management

• Lead, mentor, and develop Branch Managers and field teams.
• Conduct regular performance reviews and provide coaching for improved productivity.
• Ensure adequate manpower availability and support recruitment efforts.
• Foster a high-performance and customer-centric work culture.

Portfolio & Risk Management

• Monitor portfolio quality and ensure healthy business growth.
• Control delinquency levels and support collection efforts wherever required.
• Ensure adherence to risk management and credit policies.
• Review high-value transactions and deviations as per organizational guidelines.

Operations & Compliance

• Ensure compliance with company policies, audit requirements, and regulatory guidelines.
• Monitor branch operations, documentation, and customer service standards.
• Conduct periodic branch visits and operational reviews.
• Ensure timely closure of audit observations and compliance gaps.

Customer Relationship Management

• Build strong relationships with customers, local influencers, and business associates.
• Address customer escalations promptly and ensure high service standards.
• Drive customer retention and cross-selling opportunities.

MIS & Reporting

• Analyze business performance through regular MIS reviews.
• Track key business metrics and provide actionable insights to management.
• Prepare and present periodic business reviews and performance reports.

Desired Candidate Profile

• Graduate in any discipline; Postgraduate qualification preferred.
• 5-8 years of experience in Gold Loans, NBFC, Banking, or Financial Services.
• Minimum 2-3 years of team handling experience.
• Strong understanding of Gold Loan operations and portfolio management.
• Proven track record in achieving business and sales targets.
• Excellent leadership, communication, and stakeholder management skills.
• Willingness to travel extensively within the assigned geography.

Key Competencies

• Business Acumen
• Leadership & Team Management
• Sales & Relationship Management
• Portfolio Management
• Customer Focus
• Risk & Compliance Orientation
• Problem Solving & Decision Making
• Analytical Skills

Key Performance Indicators (KPIs)

• Gold Loan portfolio growth
• Revenue and profitability achievement
• Customer acquisition and retention
• Portfolio quality and delinquency control
• Team productivity and retention
• Audit and compliance scores
• Branch operational efficiency