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Key responsibilities
· Oversee appraisal standards, gold valuation practices, and adherence to approved rate sources and LTV norms for all product variants.
· Ensure collateral safety, vault and strong room management, CCTV Hub maintenance, insurance coverage, and robust dual-control processes at HO, regional offices, and branches. ¿
· Implement periodic surprise audits, Monitoring of reconciliation of pledged ornaments with system records, and timely closure of Gold, KYC, Audit discrepancies along with disciplinary actions on reported incidents.
· Monitor delinquencies, collections, and auction pipelines; drive NPA reduction, recovery strategies, and Probable NPA accounts in line with Board-approved policies and RBI guidelines.
· Oversee adherence to pre-auction and post-auction processes, including customer communication, valuations, reserve price fixation, and accounting of shortfall/surplus.
· Review high-ticket, overdue, and re-pledged portfolios and implement early warning and remedial action frameworks.
· Contribute to formulation and periodic review of Gold Loan Policy, Credit Policy, Operations Manuals, Auction Policy, and gold loan SOPs; ensure alignment of SBU practices with Board-approved documents.
· Drive closure of internal audit, risk review, and compliance observations with defined TATs and preventive corrective actions across branches and regions.
· Ensure full compliance with RBI directions on LTV, KYC/AML, ownership verification, auctions, customer protection, and related NBFC/bank regulations.
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 2-10 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 SQUAD HEAD – GL OPERATION HEAD at Muthoot Finance.
This role requires around 2-10 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 Muthoot Finance's application process for this role.