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Job Purpose: |
Regional Head – Gold Loans is responsible for driving strategy execution, growth, profitability, portfolio quality and operational governance across the assigned region. The role ensures achievement of AUM, disbursement, P&L, branch expansion and compliance targets through leadership of teams. |
2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. | |
New Relationship | Gold loans is a new business, and the incumbent is required to build new relationship with all stakeholders of enabling functions, and all regional stakeholders |
Managing Existing Relationship | The position holder will be managing large team – multiple area heads and oversee large distributed branch teams across the region |
Structuring new Transactions | The role holder will define the business plans for the region, manpower structure and productivity benchmarks aligned to national strategy. |
Compliance of regulatory guidelines | The incumbent will be responsible for compliance with all regulatory requirements. |
Portfolio monitoring | The incumbent will be responsible for monitoring portfolio and market updates. |
3) Job Context & Major Challenges: |
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Organization Context Aditya Birla Capital Limited ("NBFC") is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 Crores.
ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.
ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.
Business Context
Job Context:
Translate circle gold loan strategy into regional execution plan while balancing rapid growth with strict risk discipline. This position execution of business expansion initiatives, overseeing profit and loss statements, ensuring adherence to risk management and regulatory compliance, and leading cross-functional teams to meet established targets.
Key Challenges:
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Key Result Areas (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) |
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4) Key Result Areas: | |
Scale business sustainably |
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Profitability & P&L Management – deliver profitable growth with cost discipline |
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Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety |
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Branch Productivity – build and optimize a high performing branch network |
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Sales Effective & Customer Acquisition – drive frontline productivity and customer reach |
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Compliance, Audit & Regulatory Adherence |
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People Leadership & Capability Building |
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5) Job Purpose of Direct Reports: |
Following roles are likely to be reported to Regional Head - Gold Loan
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6) Relationships: | ||
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Relationship Type (Max 80 Characters) | Frequency | Nature (Max 1325 Characters) |
Internal |
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Regional Heads | Daily | Discussions in driving sales, acquisition, recruitment, productivity and governance |
IT dept | Once a week/Fortnightly | Web site updating, joint initiatives in online platform, staff IT training & back-office support |
Marketing team | Once a week/Fortnightly | Discussion on need for promotional & lead generation campaigns, web-based campaigns |
Support / Other functions [Risk Policy, Audit, Compliance & HR etc.] | Once a week | Need-based discussions on product, business, team requirements |
External |
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Customers | Need based | Feedback on products, complaints/ escalations management |
Channel partners, Investment banks | Need based | Marketing new product recommendations, discussing funding trends and highlighting market analytics |
Vendors | Need based | Discussing new product ideas, soliciting ideas, Product negotiations, joint value propositions, seeking marketing and training support, etc. |
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 6-15 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Regional Head - Retail - Gold Loan - Jammu at Aditya Birla Group.
This role requires around 6-15 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
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.
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.