01Overview
Job Description Associate Area Head, Gold Loans
Location: Nandyala, Andhra Pradesh
Department: Gold Loans
Reporting To: Area Head / Regional Business Manager
Job Purpose The Associate Area Head will be responsible for driving business growth, managing branch operations, ensuring portfolio quality, and leading sales teams across the assigned geography. The role involves achieving business targets, enhancing customer acquisition, maintaining operational compliance, and supporting branch teams to deliver superior customer service.
Key Responsibilities Business Development Sales
Drive Gold Loan business growth across assigned branches within the area.
Achieve disbursement, revenue, portfolio, and profitability targets.
Increase market penetration through customer acquisition and local marketing initiatives.
Identify business opportunities and develop strategies for portfolio expansion.
Monitor branch-wise performance and implement corrective action plans to achieve targets.
Team Management
Lead, mentor, and develop Branch Managers and field teams.
Conduct regular performance reviews and provide coaching for improved productivity.
Ensure adequate manpower availability and support recruitment efforts.
Foster a high-performance and customer-centric work culture.
Portfolio Risk Management
Monitor portfolio quality and ensure healthy business growth.
Control delinquency levels and support collection efforts wherever required.
Ensure adherence to risk management and credit policies.
Review high-value transactions and deviations as per organizational guidelines.
Operations Compliance
Ensure compliance with company policies, audit requirements, and regulatory guidelines.
Monitor branch operations, documentation, and customer service standards.
Conduct periodic branch visits and operational reviews.
Ensure timely closure of audit observations and compliance gaps.
Customer Relationship Management
Build strong relationships with customers, local influencers, and business associates.
Address customer escalations promptly and ensure high service standards.
Drive customer retention and cross-selling opportunities.
MIS Reporting
Analyze business performance through regular MIS reviews.
Track key business metrics and provide actionable insights to management.
Prepare and present periodic business reviews and performance reports.
Desired Candidate Profile
Graduate in any discipline; Postgraduate qualification preferred.
5-8 years of experience in Gold Loans, NBFC, Banking, or Financial Services.
Minimum 2-3 years of team handling experience.
Strong understanding of Gold Loan operations and portfolio management.
Proven track record in achieving business and sales targets.
Excellent leadership, communication, and stakeholder management skills.
Willingness to travel extensively within the assigned geography.
Key Competencies
Business Acumen
Leadership Team Management
Sales Relationship Management
Portfolio Management
Customer Focus
Risk Compliance Orientation
Problem Solving Decision Making
Analytical Skills
Key Performance Indicators (KPIs)
Gold Loan portfolio growth
Revenue and profitability achievement
Customer acquisition and retention
Portfolio quality and delinquency control
Team productivity and retention
Audit and compliance scores
Branch operational efficiency
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying. .
