Job Description

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Scale business sustainably

- AUM Growth YoY / QoQ
- Disbursement Value (INR) Vs Plan
- Active Customer Base Growth (%)
- Market Share (%) in key geographies
- Ticket Size (Avg Loan Amount)
- Growth Mix - Current 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 maintain 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 performing branch network

- Number of new branches opened vs plan




- Break even time for new branches
- AUM per branch
- Disbursement per branch / per RM
- Low performing branch reduction (%)

Sales Effective & Customer Acquisition - drive frontline productivity and customer reach

- Disbursement per sales officers / BM
- Customer Acquisition cost
- Conversion ratio - lead to disbursement
- Repeat customer 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

📌 Associate Area Head - Sohna (India)
🏢 Aditya Birla Group
📍 India