Role & responsibilities

1. Business & Vertical P&L; Analysis

- Own and maintain vertical-wise P&L; for General Trade, Corporate/BFSI, Recycling, E-Commerce, DigiGold, and Company-Owned Stores
- Track revenue, margins, and contribution at a product and channel level (coins, bars, jewellery, digital gold units, recycled metal, etc.)
- Conduct periodic deep-dives into vertical performance to identify growth levers and profitability drags
- Model business cases for recent product launches, channel expansions, and pricing decisions

2. Product Accounting & Precious Metals Economics

- Maintain product-level cost structures including metal cost, refining charges, making charges, and overheads
- Understand and apply commodity pricing mechanics LBMA spot rates, INR conversion, hedging impact on margins
- Work with the finance team on revenue recognition, inventory valuation (gold/silver), and metal accounting standards
- Track metal yield, wastage, and purity differentials in the recycling vertical
- Support month-end close activities with accurate product-level cost and revenue data

3. Dealer Schemes & Trade Incentive Programs

- Design, model, and evaluate dealer incentive schemes for the General Trade and Corporate/BFSI verticals
- Build financial models for volume-linked rebates, slab-based discounts, and loyalty programs for trade partners and distributors
- Track scheme utilisation, measure ROI, and recommend adjustments based on sell-through data
- Coordinate with the sales team to ensure scheme communication is accurate and commercially viable
- Benchmark MMTC-PAMP's trade schemes against competitor offerings in the bullion and jewellery industry

4. Associate Incentive Programs

- Design and administer incentive and commission structures for field associates, store staff, and DigiGold/e-commerce channel partners
- Build payout models that align associate incentives with business targets across verticals




- Work with HR and Sales to ensure incentive programs are clear, motivating, and within budget
- Conduct monthly incentive calculations, validate payout data, and ensure accurate disbursement
- Analyse incentive effectiveness and recommend structural changes when targets are consistently missed or overshot

5. Customer & Channel Reconciliations

- Own reconciliation of accounts for key customers, trade partners, distributors, and e-commerce platforms (Amazon, Flipkart, own website, etc.)
- Manage DigiGold unit reconciliations – ensuring digital gold balances, redemptions, and physical conversions are accurately accounted for
- Reconcile metal inflows from recycling customers with assay reports, pricing, and payment settlements
- Coordinate with the operations and finance teams to resolve discrepancies in invoicing, TDS deductions, and GST credits
- Track outstanding receivables by channel and vertical; flag and follow up on aging debtors

6. Strategic Insights & Growth Support

- Translate sales data, customer behaviour, and channel trends into strategic narratives for the Head – Consumer Business
- Identify cross-sell and upsell opportunities across verticals (e.g. DigiGold-to-physical conversion, recycling-to-retail pipeline)
- Benchmark performance against industry trends in bullion retail, digital gold, and organised jewellery
- Support GTM planning for new vertical launches or geographic expansion with financial modelling and scenario analysis
- Build and maintain dashboards tracking key metrics: volume (in grams/kg), revenue, margin %, channel mix, and customer retention

7. Reporting & Stakeholder Management

- Prepare monthly and quarterly business review packs for the Head – Consumer Business and senior leadership
- Build management dashboards that give a real-time pulse on each vertical's performance
- Respond to ad-hoc requests from the Head – Consumer Business, CFO, and cross-functional teams
- Liaise with auditors and compliance teams for data and reconciliation-related queries

📌 Business Analyst (Gurugram)
🏢 MMTC PAMP
📍 Gurugram