Designation: Area Head

Location: India Gujarat Ahmedabad - Ratnaakar

Organization: Financial Services

Job Description:

Key Result Areas

Supporting Actions

Scale business sustainably

- o AUM Growth YoY / QoQ
- o Disbursement Value (INR) Vs Plan
- o Active Customer Base Growth (%)
- o Market Share (%) in key geographies
- o Ticket Size (Avg Loan Amount)
- o Growth Mix – New vs Renewal loans

Profitability & P&L; Management – deliver profitable growth with cost discipline

- o Net Interest Margin (%)
- o Yield on Gold Loan Portfolio (%)
- o Cost to Income Ratio
- o Operating Profit
- o ROA / ROE
- o Incremental Profit per branch

Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety

- GNPA / NNPA (%)
- o SMA (0-30 / 31-90 days) levels
- o Gold Loan LTV (%) adherence
- o Auction Loss (%)
- o Fraud Incidence (No / Value)
- o Recover Rate (%) post delinquency

Branch Productivity – build and optimize a high performing branch network





- o Number of new branches opened vs plan
- o Break even time for recent branches
- o AUM per branch
- o Disbursement per branch / per RM
- o Low performing branch reduction (%)

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

- o Disbursement per sales officers / BM
- o Customer Acquisition cost
- o Conversion ratio – lead to disbursement
- o Repeat customer ratio
- o Cross sell / Upsell Ratio

Compliance, Audit & Regulatory Adherence

- o RBI / Internal Audit Observation
- o Policy Deviation Cases
- o Gold Purity Testing Compliance
- o Documentation Accuracy
- o Zero Tolerance Breach Incident

People Leadership & Capability Building

- o Sales & branch Staff Attrition
- o Critical Role Vacancy TAT
- o Successor Readiness for key roles
- o Training Coverage
- o Productivity Improvement post training

📌 Area Head - Ahmedabad (Gujarat)
🏢 Aditya Birla Group
📍 Gujarat