Area Head - Retail - Gold Loan - Bathind...

PeopleStrong; Hinoba-an; On-site; PHP 1,187,000 - 1,583,000; Full time

Job summary

Aditya Birla Capital Limited (ABCL) invites applications for Area Head – Gold Loans across branches in India. The role leads strategy execution, growth and governance for the Gold Loan portfolio.

You will manage a team of branch heads, drive AUM growth, ensure regulatory compliance and P&L targets while strengthening risk controls and customer outcomes across the area.

Qualifications

• Area Head – Gold Loans is responsible for driving strategy execution, growth and profitability.
• New relationships with enabling functions and regional stakeholders.
• Oversees a team of branch heads across the area and ensures regulatory compliance.

Responsibilities

• Translate regional gold loan strategy into area execution plans.
• Drive rapid AUM growth while maintaining LTV norms and collateral cover.
• Ensure zero deviation with RBI guidelines across a large distributed branch network.
• Lead teams to meet targets and manage P&L.
• Oversee portfolio quality and risk management.

Skills

Gold Loan

Sales Leadership

Communication

Team Building

Management

Sales Management

Education

Under Graduate

Job description

Area Head - Retail - Gold Loan - Bathind...

ABG111607

• Financial Services
• Punjab

Posted On 08 Sep 2026

End Date 07 Mar 2027

Required Experience 6 - 15 years

Basic Section

No. Of Position 1

Grade 10

Level NA

Organisational

DEPARTMENT-1 Retail - Gold Loan

Country India

Skills

Skill

Gold Loan Sales Leadership Communication Team Building Management Sales Management

Under Graduate

CERTIFICATION

Job Description

Business

Unit

Location

Across branches in India

1) Job Purpose:

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.

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