4) Key Result Areas:

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

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 – Current 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

1. GNPA / NNPA (%)
2. o SMA (0-30 / 31-90 days) levels
3. o Gold Loan LTV (%) adherence
4. o Auction Loss (%)
5. o Fraud Incidence (No / Value)
6. 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 new 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

📌 Circle Head - Bangalore (Tavarekere)
🏢 Financial services
📍 Tavarekere