The State Head – Gold Loan is responsible for leading and expanding the Gold Loan business across the assigned state by driving business growth, branch productivity, profitability, operational excellence, and regulatory compliance. The incumbent will develop and execute business strategies, strengthen market presence, manage P&L;, and lead regional teams to achieve sustainable business growth while maintaining superior portfolio quality and customer satisfaction.

Key Responsibilities

1. Business Growth
- Develop and implement state-level business strategies to achieve Gold Loan business targets.
- Drive Gold Loan disbursements, Assets Under Management (AUM), customer acquisition, and market share.
- Identify recent business opportunities, expansion markets, and high-potential locations.
- Monitor competitor activities and formulate competitive business strategies.
- Ensure achievement of monthly, quarterly, and annual business budgets.

2. Sales & Distribution Management
- Lead Regional Managers, Area Managers, Cluster Managers, and Branch Heads.




- Improve branch productivity and business conversion.
- Expand sourcing channels through branch, referral, and direct sales models.
- Drive customer retention and timely loan renewals.
- Increase cross-selling of insurance, deposits, and other financial products.

3. Branch Network Development
- Identify suitable locations for new branches.
- Prepare business feasibility studies for expansion.
- Ensure timely branch launches and operational readiness.
- Monitor performance of newly opened branches.

4. Portfolio & Risk Management
- Maintain healthy portfolio quality.
- Ensure adherence to Loan-to-Value (LTV) norms and underwriting standards.
- Monitor overdue accounts, NPAs, auctions, and recovery performance.
- Ensure fraud prevention measures and safe custody of pledged gold.
- Drive corrective actions for delinquent accounts.

5. Operations & Compliance
- Ensure compliance with RBI guidelines, internal policies, audit obs

📌 State Head (Bengaluru)
🏢 ICL Fincorp
📍 Bengaluru