Area Head - Kolhapur

Job purpose

The Area Head for Gold Loans is expected to lead area-level execution of strategy, unlock growth, improve profitability, protect portfolio health, and strengthen operating discipline. The role carries accountability for achieving AUM, disbursement, P&L, branch expansion, and compliance outcomes by guiding and aligning multiple teams.

Role scope and dimensions

This is a new business area, so the incumbent must establish fresh working relationships with enabling functions as well as regional stakeholders. The role involves managing a team of multiple branch heads and overseeing distributed branch teams across the area. It also requires preparing area business plans, manpower structure, and productivity benchmarks in line with the national strategy, while ensuring full regulatory compliance and close monitoring of portfolio and market movements.

Business context

Aditya Birla Capital Limited is registered with the RBI as a Systemically Important, Non-Deposit taking NBFC. It is among India’s leading diversified private NBFCs and, as of 31-Sep’25, had a pan-India lending book of approximately Rs. 139,500 Crores.

The company serves retail customers, HNIs, MSMEs, and mid- to large-sized corporates through secured and unsecured lending solutions. Its lending portfolio spans products such as retail small-ticket loans, personal loans, business loans, health and education loans, digital B2B2C and B2B2B loans, small business secured loans, loans against property, lease rental discounting, construction finance, SME loans, capital markets loans, supply chain finance, corporate loans, and infrastructure finance. The organization also operates a wealth management division.

ABCL holds AAA ratings from India Ratings, ICRA, and CARE, with reaffirmation in 2020. It has also received the ABG Business Excellence Award in 2017 (Silver), 2015 (Bronze), along with recognition from multiple other platforms including CII.

Job context and major challenges

The role requires converting regional gold loan strategy into a practical area-level execution plan while balancing aggressive growth with disciplined risk control. The incumbent must drive business initiatives, oversee P&L performance, ensure adherence to risk and regulatory standards, and lead teams to meet targets.

• Deliver fast AUM growth while maintaining strict LTV discipline, low NPA levels, and strong collateral protection in the face of gold price volatility.
• Maintain zero-deviation compliance with RBO guidelines across a wide branch network without slowing business performance.
• Prevent fraud, jewellery substitution, internal collusion, and security breaches as operations scale.
• Lift the performance of low-productivity branches and improve fixed-cost efficiency in a high-volume, low-ticket business.
• Protect the branch brand by ensuring a transparent, quick, and respectful customer experience for a highly sensitive asset class.

Key result areas

Scale the business sustainably through growth in AUM, disbursement, active customers, market share, ticket size, and a healthy mix of new and renewal loans.

Deliver profitable expansion with strong control over NIM, yield, cost-to-income ratio, operating profit, ROA/ROE, and incremental profit per branch.

Maintain portfolio quality and risk discipline through strong GNPA/NNPA control, SMA monitoring, LTV compliance, auction-loss control, fraud prevention, and healthy recoveries after delinquency.

Build a productive branch network by meeting branch-opening targets, improving break-even timelines, increasing AUM and disbursement per branch/RM, and reducing underperforming branches.

Improve frontline sales effectiveness and customer acquisition through better productivity, lower acquisition cost, stronger conversion, repeat business, and cross-sell/upsell outcomes.

Ensure compliance, audit readiness, and regulatory adherence with minimal observations, no policy deviations, compliant gold purity testing, accurate documentation, and zero-tolerance breach control.

Strengthen people leadership and capability building by reducing attrition, filling critical roles faster, improving succession readiness, expanding training coverage, and translating learning into productivity gains.

Reporting structure

The role is expected to have the following direct reports:

• Branch Manager – Gold Loan
• In the absence of a Branch Manager: Manager Gold Valuation, Gold Loan Officer, Customer Service Executive

Key relationships

Internal relationships: Frequent interaction with the IT team, typically weekly or fortnightly, for website updates, online platform initiatives, staff IT training, and back-office support. Regular coordination with the marketing team to plan promotional activities, lead-generation campaigns, and web-based campaigns. Need-based discussions are also required with support teams such as Risk Policy, Audit, Compliance, and HR on product, business, and staffing needs.

External relationships: The role involves need-based engagement with customers to handle feedback, complaints, and escalations. It also includes discussions with channel partners and investment banks on new product ideas, funding trends, and market insights. Vendor interactions are required for product development ideas, negotiations, joint value propositions, and support for marketing and training.

Additional information

This is a gold-loan leadership role focused on a newly developing business line. Success depends on the ability to balance growth with strict controls, work across multiple stakeholders, and manage a geographically distributed network of branches and teams.

Direct report expectations

Branch leaders and field teams are expected to execute area plans, uphold compliance standards, deliver customer service, maintain asset quality, and support branch productivity initiatives under the guidance of the Area Head.

Terms and conditions

No specific salary, stipend, notice period, start date, application deadline, or number of vacancies was stated in the source information provided.

No separate perks, eligibility criteria, or educational requirement were mentioned in the source.