Job DescriptionJob DescriptionKey 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 loansProfitability & 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 branchPortfolio 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 delinquencyBranch 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 RatioCompliance, Audit & Regulatory Adherence- RBI / Internal Audit Observation- Policy Deviation Cases- Gold Purity Testing Compliance- Documentation Accuracy- Zero Tolerance Breach IncidentPeople 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 (Faridabad)
🏢 Aditya Birla Group
📍 Faridabad