Regional Head - Gold Loans - Delhi

Scale business sustainably

1. AUM Growth YoY / QoQ
2. Disbursement Value (INR) Vs Plan
3. Active Customer Base Growth (%)
4. Market Share (%) in key geographies
5. Ticket Size (Avg Loan Amount)
6. Growth Mix - New vs Renewal loans

Profitability & P&L Management - deliver profitable growth with cost discipline

1. Net Interest Margin (%)
2. Yield on Gold Loan Portfolio (%)
3. Cost to Income Ratio
4. Operating Profit
5. ROA / ROE
6. Incremental Profit per branch

Portfolio Quality & Risk Management - required to maintain superior asset quality and collateral safety

1. GNPA / NNPA (%)
2. SMA (0-30 / 31-90 days) levels
3. Gold Loan LTV (%) adherence
4. Auction Loss (%)
5. Fraud Incidence (No / Value)
6. Recover Rate (%) post delinquency

Branch Productivity - build and optimize a high performing branch network

1. Number of new branches opened vs plan
2. Break even time for new branches
3. AUM per branch
4. Disbursement per branch / per RM
5. Low performing branch reduction (%)

Sales Effective & Customer Acquisition - drive frontline productivity and customer reach

1. Disbursement per sales officers / BM
2. Customer Acquisition cost
3. Conversion ratio - lead to disbursement
4. Repeat customer ratio
5. Cross sell / Upsell Ratio

Compliance, Audit & Regulatory Adherence

1. RBI / Internal Audit Observation
2. Policy Deviation Cases
3. Gold Purity Testing Compliance
4. Documentation Accuracy
5. Zero Tolerance Breach Incident

People Leadership & Capability Building

1. Sales & branch Staff Attrition
2. Critical Role Vacancy TAT
3. Successor Readiness for key roles
4. Training Coverage
5. Productivity Improvement post training