01Overview
Role Purpose To drive regional growth of the Gold Loan business by leading multi-branch sales operations, delivering portfolio expansion, ensuring portfolio quality, and building a high-performance sales ecosystem across the region.
Key Responsibilities
Business Growth Revenue Delivery
Own and deliver regional AUM growth, disbursement targets, and revenue objectives across assigned geography
Drive month-on-month and year-on-year growth in Gold Loan portfolio through structured sales planning
Lead strategic initiatives to increase market share, customer acquisition, and branch productivity
Identify high-potential markets and lead branch expansion ramp-up strategy
Sales Strategy Execution
Design and execute regional sales strategy, including campaigns, local activations, and festival-led sourcing programs
Implement pricing, sourcing, and channel strategies to maximize yield and volume
Drive cross-sell of allied products (Insurance, SME loans, etc) to enhance revenue per customer
Team Leadership Capability Building
Lead a team of Cluster Managers / Area Managers / Branch Managers across the region
Drive performance management, productivity enhancement, and incentive structures
Conduct regular reviews, training, and coaching to enhance selling capability and branch efficiency
Build a high-performance culture with strong accountability and ownership
Branch Channel Management
Oversee functioning of multiple branches/territories, ensuring alignment with business objectives
Drive branch-level execution excellence, covering sourcing, conversion, and customer experience
Support new branch launches and ensure early profitability and scale-up
Portfolio Quality Risk Management
Monitor portfolio health parameters (LTV, NPA, delinquency, overdue trends)
Partner with collections and risk teams to ensure strong recovery mechanisms and fraud prevention
Ensure adherence to gold appraisal standards, KYC, and audit compliance norms
MIS, Analytics Performance Tracking
Drive decision-making through data analytics, MIS dashboards, and forecasting models
Track key KPIs: AUM growth, disbursement productivity, ticket size, yield, cost ratio
Use insights to refine regional strategy and performance improvement plans
Stakeholder Cross-functional Collaboration
Collaborate with Product, Credit, Risk, Ops, Marketing, and Collections teams
Provide market feedback for product design, pricing, and process improvements
Align with central teams on technology adoption, digital onboarding, and process automation
Educational Qualification
Graduate (MBA / PGDM preferred Finance / Marketing)
Certifications in Gold Appraisal / Risk / Banking preferred
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. .
