Scale business sustainably | - oAUM Growth YoY / QoQ
- oDisbursement Value (INR) Vs Plan
- oActive Customer Base Growth (%)
- oMarket Share (%) in key geographies
- oTicket Size (Avg Loan Amount)
- oGrowth Mix - New vs Renewal loans
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Profitability & P&L Management - deliver profitable growth with cost discipline | - oNet Interest Margin (%)
- oYield on Gold Loan Portfolio (%)
- oCost to Income Ratio
- oOperating Profit
- oROA / ROE
- oIncremental Profit per branch
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Portfolio Quality & Risk Management - required to maintain superior asset quality and collateral safety | - GNPA / NNPA (%)
- oSMA (0-30 / 31-90 days) levels
- oGold Loan LTV (%) adherence
- oAuction Loss (%)
- oFraud Incidence (No / Value)
- oRecover Rate (%) post delinquency
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Branch Productivity - build and optimize a high performing branch network | - oNumber of new branches opened vs plan
- oBreak even time for new branches
- oAUM per branch
- oDisbursement per branch / per RM
- oLow performing branch reduction (%)
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Sales Effective & Customer Acquisition - drive frontline productivity and customer reach | - oDisbursement per sales officers / BM
- oCustomer Acquisition cost
- oConversion ratio - lead to disbursement
- oRepeat customer ratio
- oCross sell / Upsell Ratio
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Compliance, Audit & Regulatory Adherence | - oRBI / Internal Audit Observation
- oPolicy Deviation Cases
- oGold Purity Testing Compliance
- oDocumentation Accuracy
- oZero Tolerance Breach Incident
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People Leadership & Capability Building | - oSales & branch Staff Attrition
- oCritical Role Vacancy TAT
- oSuccessor Readiness for key roles
- oTraining Coverage
- oProductivity Improvement post training
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