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 prospects 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 solid relationships with cust .
