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 – New 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 current 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 (India)
🏢 Aditya Birla Capital
📍 India