Job Description – Regional Manager – Gold Loans
Business: Financial Services
Unit: Aditya Birla Capital Limited
Location: Vijayawada
Designation: Regional Manager – Gold Loans

1. 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.
2. Dimensions
New Relationship
- Drive customer acquisition and market expansion across the region.
- Develop partnerships, local marketing initiatives, and referral networks to increase wallet share.

Managing Existing Relationships
- Ensure superior customer service and retention across all branches.
- Drive repeat business and customer engagement initiatives.





Structuring Recent Transactions
- Oversee adherence to valuation, LTV norms, documentation, and approval processes.
- Ensure quality sourcing and profitable portfolio growth.

Compliance of Regulatory Guidelines
- Ensure compliance with RBI guidelines, company policies, audit requirements, and gold custody standards.

Portfolio Monitoring
- Monitor portfolio growth, delinquency, auction performance, risk indicators, and branch profitability.

3. Job Context & Major Challenges
Organizational Context
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 th

📌 RH - Gold Loan - Vijayawada (Labbipet)
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