Area Head - Gold Loan

Role summary

The Area Head for Gold Loans owns the execution of the business plan across the assigned geography. The role is accountable for scaling the portfolio, improving profitability, protecting asset quality, and ensuring that every branch operates within policy and regulatory requirements.

Job purpose

This position exists to convert regional gold loan strategy into practical area-level execution. It combines business growth, P&L ownership, operational governance, and team leadership to deliver targets for AUM, disbursements, branch expansion, and compliance.

Scope of the role

The business is a relatively new gold loan vertical, so the incumbent must build strong working relationships with stakeholders across enabling functions and regional teams. The role also involves leading multiple branch heads and supervising distributed branch teams across the area.

The position is expected to shape the area business plan, define manpower requirements, and set productivity standards aligned to the national strategy. It also carries responsibility for adherence to all regulatory norms and for ongoing portfolio and market monitoring.

Business context

Aditya Birla Capital Limited is a registered non-deposit taking NBFC and one of India’s large private diversified finance companies. The organisation operates across India with a significant lending book and offers a wide range of secured and unsecured lending solutions for retail, HNI, MSME, mid-sized, and large corporate customers, along with wealth management services.

The gold loan function must balance fast scale-up with strict risk control. The area head is expected to translate strategy into local action while managing growth, profitability, risk, compliance, and team performance in a highly competitive secured lending environment.

Key challenges

• Grow assets under management quickly while staying within LTV limits, keeping NPAs low, and preserving strong collateral cover despite gold price movement.
• Maintain full compliance with regional branch office guidelines across a wide branch network without slowing business momentum.
• Prevent fraud, jewellery substitution, internal collusion, and security-related issues while the business scales.
• Lift the performance of weaker branches and manage fixed costs effectively in a high-volume, low-ticket business.
• Ensure customers receive a transparent, quick, and respectful experience while handling a product linked to a sensitive personal asset.

Performance focus

• Drive sustained business expansion through AUM growth, disbursement achievement, active customer growth, market share improvement, and a healthy mix of new and renewal loans.
• Deliver profitable growth by managing margins, portfolio yield, cost-to-income ratio, operating profit, and return metrics.
• Protect portfolio quality through GNPA/NNPA control, SMA monitoring, LTV adherence, auction loss control, fraud prevention, and recovery performance.
• Strengthen branch productivity by opening branches as planned, improving branch-level AUM and disbursement output, and reducing low-performing outlets.
• Improve sales effectiveness and customer acquisition through better conversion, lower acquisition cost, repeat business, and cross-sell/upsell performance.
• Ensure regulatory, audit, and policy adherence, including RBI and internal audit observations, documentation quality, gold purity testing compliance, and zero-tolerance breach prevention.
• Build team capability through training coverage, reduced attrition, faster filling of critical roles, and stronger succession readiness.

Reporting and stakeholder management

The role is expected to work closely with internal teams such as IT, marketing, and support functions including risk, policy, audit, compliance, and HR. Externally, the position interacts with customers, channel partners, investment banks, and vendors to support business growth, manage complaints, share market insights, and enable product and promotional initiatives.

Likely direct reports

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

Location note

The role is listed for Uttarakhand, India.

Additional information

The source includes structured fields for job purpose, dimensions, context, key result areas, direct reports, and relationship mapping. These have been consolidated into the summary above to preserve all job-related information in a cleaner format.