RH - Gold Loan - Hyderabad

Aditya Birla Capital

Andhra Pradesh

On-site

INR 2,500,000 - 4,500,000

Full time

14 days+

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Qualifications

Experience: 10–15 years in BFSI with strong exposure to Gold Loan / Secured Lending
Minimum 3–5 years in a leadership role managing multiple locations
Strong understanding of gold valuation, branch operations, and compliance
Proven track record in driving sales and managing large teams
Good analytical, leadership, and stakeholder management skills

Responsibilities

Drive growth and sales management for the Gold Loan portfolio across the region
Lead and manage Area Managers, Branch Managers, and frontline teams to deliver targets
Achieve disbursement, revenue, and market share targets for the region
Identify new markets and expansion opportunities while monitoring performance
Ensure adherence to credit policies, RBI guidelines, and audit requirements
Drive productivity, performance culture, and accountability across branches
Strengthen risk management including NPA control and fraud prevention
Oversee operations with focus on process efficiency, TAT, and service delivery
Build strong customer relationships and drive market penetration
Collaborate with credit, risk, operations, HR, and product teams

Job description

Role Purpose

To drive growth, profitability, and portfolio quality of the Gold Loan business across the assigned region by leading sales, operations, and risk management while ensuring regulatory compliance and customer satisfaction.

Role Title: Regional Head – Gold Loan

Location: Hyderabad

Role Purpose

Key Responsibilities

Business Growth & Sales Management
Drive gold loan portfolio growth across branches in the region
Achieve disbursement, revenue, and market share targets
Identify new markets and expansion opportunities
Monitor branch-wise performance and implement corrective actions
Team Leadership & Capability Building
Lead and manage Area Managers, Branch Managers, and frontline teams
Drive productivity, performance culture, and accountability
Conduct regular reviews, training, and capability development
Ensure optimal manpower planning and utilization
Portfolio Quality & Risk Management
Maintain healthy portfolio quality with strong focus on NPA control
Ensure adherence to credit policies, valuation practices, and audit requirements
Monitor delinquency trends and implement recovery strategies
Strengthen fraud prevention and risk mitigation processes
Operations & Compliance
Ensure smooth branch operations with adherence to SOPs
Drive process efficiency, turnaround time (TAT), and service delivery
Maintain compliance with RBI guidelines and internal policies
Ensure audit closure and zero critical observations
Customer Experience & Market Penetration
Enhance customer acquisition and retention strategies
Build strong relationships with key customers and local influencers
Monitor customer satisfaction and resolve escalations
Drive brand visibility and regional marketing initiatives
Stakeholder Management
Collaborate with credit, risk, operations, HR, and product teams
Provide market feedback for product and policy improvements
Ensure alignment with organizational goals and strategy

Key Requirements

Experience: 10–15 years in BFSI with strong exposure to Gold Loan / Secured Lending
Minimum 3–5 years in a leadership role managing multiple locations
Strong understanding of gold valuation, branch operations, and compliance
Proven track record in driving sales and managing large teams
Good analytical, leadership, and stakeholder management skills

Key Performance Indicators (KPIs)