Regional Head - Gold Loan

Aditya Birla Group; Bagalkote, Mumbai; On-site; INR 1,500,000 - 2,500,000; Full time

Benefits offered by this job

Health insurance

Performance bonuses

Retirement benefits

Job summary

PeopleStrong is seeking a Regional Head – Gold Loans based in Bagalkote, Karnataka. This role is pivotal in driving strategy execution, profitability, and operational governance for gold loans across the region. Successful candidates will excel in team management and compliance, contributing to the growth of the lending portfolio.

You will oversee critical functions including relationship management, risk management, and ensure alignment with organizational goals while cultivating a high-performing team.

Qualifications

• Proven experience in managing large teams and projects in a financial service environment.
• Strong understanding of regulatory compliance and risk management.
• Ability to drive business initiatives while ensuring profitability.

Responsibilities

• Lead the execution of gold loan strategy in the assigned region.
• Manage relationships with stakeholders and drive operational excellence.
• Ensure compliance with all regulatory guidelines.

Skills

Leadership

Strategic Planning

Risk Management

Sales Management

Customer Experience

Education

Bachelor's degree

Master's degree in Finance/Business

Job description

Job Purpose

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

Dimensions

New Relationship
(Max 254 Characters)

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

Managing Existing Relationship
(Max 254 Characters)

The position holder will be managing large team – multiple area heads and oversee large distributed branch teams across the region

Structuring new Transactions
(Max 254 Characters)

The role holder will define the business plans for the region, 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 be responsible for monitoring 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.

Business Context

Job Context:

Translate circle gold loan strategy into regional execution plan while balancing rapid growth with strict risk discipline. This position execution of business expansion initiatives, overseeing profit and loss statements, ensuring adherence to risk management and regulatory compliance, and leading cross-functional 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

Key Result Areas (Max 1325 Characters)

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

• Area Head – Gold Loan
• In absence of middle managerial layers –Branch Head

Relationships

Internal

• Regional Heads – Daily – Discussions in driving sales, acquisition, recruitment, productivity and governance
• Regional Heads – 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
• Customers – Need based – Marketing new product recommendations, discussing funding trends and highlighting market analytics
• Customers – Need based – Discussing new product ideas, soliciting ideas, Product negotiations, joint value propositions, seeking marketing and training support, etc.