RH - Gold Loan - Vijayawada

Job Description – Regional Manager – Gold Loans

Business: Financial Services

Unit: Aditya Birla Capital Limited

Location: Vijayawada

Designation: Regional Manager – Gold LoansManaging Existing RelationshipsStructuring New TransactionsCompliance of Regulatory GuidelinesPortfolio Monitoring 3. Job Context & Major ChallengesOrganizational Context

• Job Purpose The Regional Manager – Gold Loans is responsible for driving business growth, portfolio quality, profitability, operational excellence, and risk management across the designated region. The role ensures achievement of disbursement, revenue, collection, and customer acquisition targets while maintaining strict adherence to gold valuation standards, regulatory requirements, audit controls, and asset safety protocols. The incumbent will lead Area Heads/Branch Managers to build a high-performance sales and service culture.
• DimensionsNew Relationship
• Drive customer acquisition and market expansion across the region.
• Develop partnerships, local marketing initiatives, and referral networks to increase wallet share.
• Ensure superior customer service and retention across all branches.
• Drive repeat business and customer engagement initiatives.
• Oversee adherence to valuation, LTV norms, documentation, and approval processes.
• Ensure quality sourcing and profitable portfolio growth.
• Ensure compliance with RBI guidelines, company policies, audit requirements, and gold custody standards.
• Monitor portfolio growth, delinquency, auction performance, risk indicators, and branch profitability.
  
  

Gold Loans is a strategically important secured lending business requiring rapid turnaround, high customer trust, stringent risk controls, and efficient branch operations. The Regional Manager is accountable for balancing aggressive growth objectives with strong governance and risk management practices. [JD - Manag...Valuation | Word]

Job Context

The role oversees multiple Area Heads and Branch Managers across the region and ensures:

• Achievement of business targets and profitability.
• Adherence to approved valuation and operational standards.
• Prevention of spurious, counterfeit, and bentex gold incidents.
• Effective collection management and controlled NPAs.
• Strong audit and compliance scores across branches.
• Talent development and succession planning.
  
  

Key Challenges

• Managing rapid business growth while maintaining portfolio quality.
• Driving productivity across geographically dispersed branches.
• Ensuring consistent valuation and risk practices.
• Managing collections and auctions in competitive markets.
• Building and retaining capable branch leadership teams.
• Maintaining customer experience while ensuring compliance.
  
  

4. Key Result Areas (KRAs)

Key Result AreaSupporting Actions

Business Growth & Disbursement Achieve regional disbursement, revenue and AUM targets through branch productivity and market expansion.

Customer Acquisition & Market Development Drive customer acquisition initiatives, branch expansion and local marketing activities.

Portfolio Quality Management Monitor delinquency, overdue accounts, NPA levels and corrective actions across branches.

Gold Valuation Governance Ensure adherence to valuation SOPs, purity testing standards and LTV norms across all branches.

Risk & Compliance Management Ensure compliance with regulatory guidelines, internal audits, surprise checks and operational controls.

Collections & Auction Management Drive collection efficiency, overdue recovery and auction processes within policy guidelines.

Profitability & Productivity Improve branch productivity, operating efficiency and profitability metrics.

Team Leadership & Talent Development Recruit, coach and develop Area Heads, Branch Managers and key talent across the region.

Customer Experience Enhance service quality, complaint resolution and customer retention.

Business Reviews & Reporting Conduct regular business reviews, MIS analysis and action planning for performance improvement.Branch Manager – Gold Loans 6. Relationships

• Job Purpose of Direct ReportsArea Head – Gold Loans
• Responsible for achieving business, portfolio, and profitability targets within the assigned territory.
• Manage Branch Managers and ensure adherence to operational, valuation, and compliance standards.
• Drive branch business, customer acquisition, collections, and operational controls.
• Ensure proper execution of gold valuation, documentation, and customer service processes.
  
  

RelationshipFrequencyNature

Area Heads Daily Business reviews, performance tracking, target achievement and governance.

Branch Managers Daily Operational management, business planning and compliance monitoring.

Risk Team Weekly / Need Based Portfolio quality, fraud prevention and risk mitigation.

Audit Team Need Based Audit observations, branch reviews and closures.

Operations Team Daily Process adherence, customer service and operational support.

HR Team Monthly Hiring, manpower planning and talent development.

Customers Need Based Relationship management and grievance resolution.

External Agencies / Vendors Need Based Security, auction, valuation and branch infrastructure support.

Key CompetenciesFunctional Competencies

• Gold Loan Business Management
• Lending & Credit Fundamentals
• Portfolio Risk Management
• Collections & Recovery Management
• Regulatory Compliance
• Branch Operations Management
• MIS & Business Analytics
  
  

Behavioral Competencies

• Leadership & Team Management
• Customer Centricity
• Execution Excellence
• Strategic Thinking
• Decision Making
• Stakeholder Management
• Problem Solving
  
  

Preferred Experience

• 10–15 years of experience in Gold Loans, Retail Assets, NBFC, Banking or Secured Lending.
• Minimum 3–5 years in managing multi-branch/multi-state operations.
• Proven track record in business growth, collections, and team leadership.

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