Regional Head - Retail - Gold Loan - Jam...

PeopleStrong; Jammu district; On-site; INR 7,000,000 - 11,000,000; Full time

Job summary

Aditya Birla Capital Limited (ABCL) seeks a Regional Head – Gold Loan to drive strategy execution, growth and governance across the Jammu region. You will lead a large team, manage AUM, disbursements and profitability while ensuring strict risk and regulatory compliance.

The role requires steering cross-functional teams, scaling branch networks and delivering high-quality customer outcomes in a fast-paced NBFC environment.

Qualifications

• Experience in gold loan portfolio management.
• Proven leadership of large teams across regions.
• Strong sales, relationship-building and risk governance capabilities.

Responsibilities

• Translate circle gold loan strategy into regional execution plans.
• Drive AUM growth, disbursement value and profitability while ensuring risk controls.
• Lead multi-layered teams across branches and area heads to achieve targets.
• Ensure regulatory and RBI/compliance adherence across the region.

Skills

Gold Loan

Regional Sales

Sales Leadership

Communication

Team Building

Management

Sales Management

Education

Undergraduate

Job description

Regional Head - Retail - Gold Loan - Jam...

Regional Head - Retail - Gold Loan - Jam...

ABG111601

• Financial Services
• Jammu and Kashmir

Posted On 08 Sep 2026

End Date 07 Mar 2027

Required Experience 6 - 15 years

Basic Section

No. Of Position 1

Grade 9

Level NA

Organisational

DEPARTMENT-1 Retail - Gold Loan

Country India

State Jammu and Kashmir

Skills

Skill

Gold Loan Regional Sales Manager Sales Leadership Communication Team Building Management Sales Management

Under Graduate

CERTIFICATION

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.

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.

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 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 (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

4) 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

5) 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

6) Relationships:

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

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.