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

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.

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.

Portfolio monitoring

The incumbent will be responsible for monitoring portfolio and market updates.

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 ( Max 3975 Characters)

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.

Key Challenges

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: Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Scale business sustainably

AUM Growth YoY / QoQ
Disbursement Value (INR) Vs Plan
Active Customer Base Growth (%)
Market Share (%) in key geographies
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
Incremental Profit per branch

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
Auction Loss (%)
Fraud Incidence (No / Value)
Recover Rate (%) post delinquency

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: 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

Branch Manager – Gold Loan
In absence of Branch Manager – Manager Gold Valuation, Gold Loan officer, Customer Service executive
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

IT dept

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

Channel partners, Investment banks

Need based

Marketing new product recommendations, discussing funding trends and highlighting market analytics

Vendors

Need based

Discussing new product ideas, soliciting ideas, Product negotiations, joint value propositions, seeking marketing and training support, etc.

Area Head-Gold Loan-Basti