Regional Head-Gold Loan-Dehradun

Birla Carbon

India

On-site

INR 1,500,000 - 3,000,000

Full time

14 days+

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Job summary

Birla Carbon is seeking a Regional Head for Gold Loans in Dehradun, India. This role focuses on driving strategy execution and growth across the region while ensuring compliance with regulatory standards.

The ideal candidate will manage large teams and foster relationships with key stakeholders for effective operations. Requires strong risk management and financial services background.

Qualifications

Extensive experience in financial services, particularly in gold loans.
Strong understanding of compliance and regulatory requirements.
Ability to lead and develop high-performing teams.

Responsibilities

Drive strategy execution and profitability across the assigned region.
Manage teams and ensure compliance with regulatory guidelines.
Build and maintain relationships with stakeholders.

Skills

Leadership and Management

Strategic Planning

Risk Management

Sales and Customer Acquisition

Compliance Adherence

Education

Bachelor's degree

MBA preferred

Job description

Regional Head-Gold Loan-Dehradun

Designation :

Location: India Uttarakhand 97 Rajpur Road, Dehradun

Job Description:

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters)

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.

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

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.

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section

Business 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.

4) Key Result Areas (Key results expected from the job and supporting actions)

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

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

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

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

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with to deliver the job objectives

Relationship Type (Max 80 Characters)

Frequency

Nature (Max 1325 Characters)

Internal

Regional Heads

Daily

Discussions in driving sales, acquisition, recruitment, productivity and governance

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