Area Head - Bhuj - Gold Loan

Birla Carbon; Bhuj; On-site; INR 1,200,000 - 2,000,000; Full time

Benefits offered by this job

Performance Bonuses

Health Benefits

Employee Training Programs

Job summary

Birla Carbon is seeking an Area Head for Gold Loans in Bhuj. The successful candidate will drive strategy execution, manage a team, and ensure compliance with regulatory standards. This role focuses on achieving substantial growth in assets under management while maintaining strong risk disciplines.

The incumbent will lead multiple branch heads, structure new transactional frameworks, and uphold high standards of operational governance.

Key result areas include managing profitability, portfolio quality, and driving efficient sales processes.

Qualifications

• Proven experience in leading teams and driving business growth.
• Understanding of regulatory compliance requirements.
• Familiarity with gold loan products and market dynamics.

Responsibilities

• Drive strategy execution and power growth in gold loans.
• Ensure compliance with regulatory requirements.
• Manage a team of branch heads and oversee diverse operations.

Skills

Leadership

Risk Management

Gold Loan Knowledge

Customer Experience

Education

Bachelor's degree or equivalent

Job description

Area Head - Bhuj - Gold Loan

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Job Description

Area Head – Gold Loans is responsible for driving strategy execution, growth, profitability, portfolio quality and operational governance across the assigned area. The role ensures achievement of AUM, disbursement, P&L, branch expansion and compliance targets through leadership of teams.

Job Purpose

Translate regional gold loan strategy into area execution plan while balancing rapid growth with strict risk discipline. This position executes business initiatives, oversees profit and loss statements, ensures adherence to risk management and regulatory compliance, and leads teams to meet established targets.

Dimensions

New Relationship (Max 254 Characters)

Gold loans is a new business, and the incumbent is required to build new relationships with all stakeholders of enabling functions, and all regional stakeholders.

Managing Existing Relationship (Max 254 Characters)

The position holder will manage a team – multiple branch heads and oversee distributed branch teams across the area.

Structuring new Transactions (Max 254 Characters)

The role holder will define the business plans for the area, manpower structure and productivity benchmarks aligned to national strategy.

Compliance of regulatory guidelines (Max 254 Characters)

The incumbent will be responsible for compliance with all regulatory requirements.

The incumbent will monitor portfolio and market updates.

Job Context & Major Challenges

Organization Context:

Aditya Birla Capital Limited (“NBFC”) is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 Crores.

ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.

ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context:

Job Context:

Translate regional gold loan strategy into area execution plan while balancing rapid growth with strict risk discipline. This position executes business initiatives, oversees profit and loss statements, ensures adherence to risk management and regulatory compliance, and leads teams to meet established targets.

• Driving rapid AUM growth while maintaining strict LTV norms, low NPAs and strong collateral cover amid gold price volatility.
• Ensuring zero deviation compliance with RBO guidelines across a large, distributed branch network without slowing business momentum.
• Preventing fraud, jewelry substitution, internal collusion and security breaches while scaling operations.
• Improving performance of underproductive branches and optimizing fixed costs in a high volume, low ticker business.
• Protecting branch reputation by delivering transparent, fast and respectful customer experiences for a highly emotional asset.

Key Result Areas

Scale business sustainably

• AUM Growth YoY / QoQ
• Disbursement Value (INR) Vs Plan
• Active Customer Base Growth (%)
• Ticket Size (Avg Loan Amount)
• Growth Mix – New vs Renewal loans

Profitability & P&L Management – deliver profitable growth with cost discipline

• Net Interest Margin (%)
• Yield on Gold Loan Portfolio (%)
• Cost to Income Ratio
• Operating Profit
• ROA / ROE

Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety

• GNPA / NNPA (%)
• SMA (0-30 / 31-90 days) levels
• Gold Loan LTV (%) adherence
• Fraud Incidence (No / Value)

Branch Productivity – build and optimize a high performing branch network

• Number of new branches opened vs plan
• Break even time for new branches
• AUM per branch
• Disbursement per branch / per RM
• Low performing branch reduction (%)

Sales Effective & Customer Acquisition – drive frontline productivity and customer reach

• Disbursement per sales officers / BM
• Customer Acquisition cost
• Conversion ratio – lead to disbursement
• Repeat customer ratio
• Cross sell / Upsell Ratio

Compliance, Audit & Regulatory Adherence

• RBI / Internal Audit Observation
• Policy Deviation Cases
• Gold Purity Testing Compliance
• Documentation Accuracy
• Zero Tolerance Breach Incident

People Leadership & Capability Building

• Sales & branch Staff Attrition
• Critical Role Vacancy TAT
• Successor Readiness for key roles
• Training Coverage
• Productivity Improvement post training

Job Purpose of Direct Reports

Following roles are likely to be reported to Regional Head - Gold Loan

• Branch Manager – Gold Loan
• In absence of Branch Manager – Manager Gold Valuation, Gold Loan officer, Customer Service executive

Relationships

Internal

Once a week/Fortnightly

Web site updating, joint initiatives in online platform, staff IT training & back-office support

Marketing team

Once a week/Fortnightly

Discussion on need for promotional & lead generation campaigns, web-based campaigns

Support / Other functions [Risk Policy, Audit, Compliance & HR etc.]

Once a week

Need-based discussions on product, business, team requirements

External

Customers

Need based

Feedback on products, complaints/ escalations management

Need based

Marketing new product recommendations, discussing funding trends and highlighting market analytics

Need based

Discussing new product ideas, soliciting ideas, Product negotiations, joint value propositions, seeking marketing and training support, etc.

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