AAH - Gold Loan - Professional

Aditya Birla Insulators; YSR Kadapa; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

Aditya Birla Insulators in Kadapa, Andhra Pradesh, seeks an Associate Area Head Gold Loan to drive growth, oversee branches, and manage risk. The role focuses on acquisition, portfolio quality, and staff coaching to achieve targets.

The incumbent will guide branch teams, monitor compliance, and engage with customers and local markets for sustainable performance.

Qualifications

• Graduate in any discipline.
• MBA or PostGraduation preferred.

Responsibilities

• Drive business growth and portfolio expansion across Kadapa territory.
• Supervise Branch Managers and teams; ensure resource optimization.
• Monitor portfolio health, risk controls, and collections support.
• Ensure policy compliance and audit readiness across branches.
• Build relationships with customers, communities, and stakeholders.
• Provide MIS insights and periodic performance updates.

Skills

Leadership

People management

Gold Loan knowledge

Risk & compliance

MIS & analytics

Stakeholder management

Communication skills

Education

MBA or Postgraduate degree

Graduate in any discipline

Tools

MIS

Job description

Associate Area Head Gold Loan

Location: Kadapa, Andhra Pradesh
Department: Gold Loan Business
Reporting To: Area Head Gold Loan

Job Summary

The Associate Area Head Gold Loan will support the Area Head in driving business growth, portfolio expansion, operational excellence, and team performance across the assigned territory. The role involves overseeing branch operations, managing branch teams, ensuring compliance with policies, and driving customer acquisition and retention to achieve business objectives.

Business Development Portfolio Growth

• Support the achievement of branchwise Gold Loan disbursement, revenue, and portfolio targets.
• Drive business acquisition through local market activities, customer engagement, and lead generation initiatives.
• Identify business opportunities and expansion prospects within the territory.
• Monitor branch productivity and implement action plans to improve performance.
• Track competitor activities and market trends to strengthen business growth.

Branch Team Management

• Supervise and support Branch Managers and branch teams across assigned locations.
• Ensure manpower availability and optimum utilization of resources.
• Conduct regular branch visits and business reviews.
• Coach and mentor teams to enhance productivity and customer service standards.
• Drive employee engagement and support training and development initiatives.

Portfolio Quality Risk Management

• Monitor portfolio health and ensure adherence to risk management practices.
• Track overdue accounts and support collection efforts to ensure portfolio quality.
• Ensure proper appraisal, valuation, storage, and release of pledged gold as per company guidelines.
• Assist in minimizing fraud risks through process monitoring and branch audits.
• Work closely with branches to reduce delinquency and auction cases.

Operations Compliance

• Ensure compliance with company policies, audit requirements, and regulatory guidelines.
• Monitor operational processes and ensure timely closure of audit observations.
• Promote adherence to internal controls and standard operating procedures.
• Ensure high levels of customer service and grievance resolution.
• Maintain operational efficiency across branches.

Stakeholder Relationship Management

• Build strong relationships with customers, local business communities, and market influencers.
• Coordinate with Credit, Operations, Risk, HR, and other support functions to drive business results.
• Support local marketing and promotional activities to improve brand visibility.
• Assist in resolving branchlevel escalations and customer concerns.

MIS Reporting

• Track business performance through branch MIS reports.
• Analyze business trends and provide insights for improving branch performance.
• Prepare periodic reports and updates for review by the Area Head and management team.
• Monitor key business and operational metrics across the territory.

Desired Candidate Profile Education

• Graduate in any discipline.
• MBA or PostGraduation preferred.

Experience

• 5 to 8 years of experience in Gold Loan, NBFC, Banking, or Ficial Services.
• Minimum 2 years of experience in branch management or multibranch supervision.
• Strong knowledge of Gold Loan operations and customer acquisition.

Skills Competencies

• Strong leadership and people management skills.
• Good understanding of Gold Loan products and processes.
• Business development and portfolio management expertise.
• Knowledge of risk, compliance, and operational controls.
• Strong analytical and problemsolving skills.
• Excellent communication and stakeholder management abilities.
• Proficiency in MIS and business performance tracking.

Key Performance Indicators (KPIs)

• Achievement of business and portfolio growth targets.
• Branch productivity and customer acquisition.
• Portfolio quality and delinquency control.
• Audit and compliance adherence.
• Team productivity and employee engagement.
• Customer satisfaction and service quality.
• Branch operational efficiency.

Span of Control

• Branch Managers, Assistant Branch Managers, Customer Relationship Officers, and Branch Operations Staff across assigned branches within the Kadapa territory.

Preferred Candidate Profile:

Candidates with strong knowledge of the Kadapa market and experience in managing Gold Loan business operations within Andhra Pradesh will be preferred.