Area Head - Gold Loans - Delhi at Aditya Birla Group

Job Description

Key Result

Areas (Max 1325 Characters)

Assisting Actions (Max 1325 Characters)

Scale business sustainably

AUM Growth YoY / QoQ

Disbursement Value (INR) Vs Plan

Active Client Base Growth (%)

Market Share (%) in key geographies

Ticket Size (Avg Loan Amount)

Growth Mix – New vs Renewal loans

Profitability & P&L Management – deliver profitable growth with cost discipline

Net Interest Margin (%)

Yield on Gold Loan Portfolio (%)

Cost to Income Ratio

Operating Profit

ROA / ROE

Incremental Profit per branch

Portfolio Quality & Risk Management – required to sustain superior asset quality and collateral safety

GNPA / NNPA (%)

SMA (0-30 / 31-90 days) levels

Gold Loan LTV (%) adherence

Auction Loss (%)

Fraud Incidence (No / Value)

Recover Rate (%) post delinquency

Branch Productivity – build and optimize a high carrying out branch network

Number of new branches opened vs plan

Break even time for new branches

AUM per branch

Disbursement per branch / per RM

Low carrying out branch reduction (%)

Sales Effective & Client Acquisition – drive frontline productivity and client reach

Disbursement per sales officers / BM

Client Acquisition cost

Conversion ratio – lead to disbursement

Repeat client ratio

Cross sell / Upsell Ratio

Compliance, Audit & Regulatory Adherence

RBI / Internal Audit Observation

Policy Deviation Cases

Gold Purity Testing Compliance

Documentation Accuracy

Zero Tolerance Breach Incident

People Leadership & Capability Building

Sales & branch Staff Attrition

Critical Role Vacancy TAT

Successor Readiness for key roles

Training Coverage

Productivity Improvement post training

This opening is for the Area Head - Gold Loans - Delhi position in Gurgaon.

Frequently Asked Questions

What are the eligibility criteria for the Area Head - Gold Loans - Delhi job at Aditya Birla Group?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 8-12 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Area Head - Gold Loans - Delhi at Aditya Birla Group?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Area Head - Gold Loans - Delhi at Aditya Birla Group.

Is prior experience required for this position?

This role requires around 8-12 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the Area Head - Gold Loans - Delhi role at Aditya Birla Group?

You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.

Area Head - Gold Loans - Delhi

Aditya Birla Group — Gurgaon, GURUGRAM

Job Description

Frequently Asked Questions