Position Title -Business Head / Group Head Gold Loans

Location-Mumbai

Employment Type -Full-Time | Senior Management

About the Role :

The Business Head / Group Head Gold Loans is a critical P&L; leadership role responsible for building, scaling, and managing the Gold Loan vertical as a key revenue and asset book driver for the Bank. The incumbent will own the end-to-end business strategy, portfolio quality, distribution expansion, and operational excellence across the gold loan product line spanning branch based lending, doorstep models, and digital-assisted origination channels. This role requires a seasoned banking professional with deep expertise in secured retail lending

a strong grasp of gold loan market dynamics in India, and the ability to lead large, geographically distributed teams within the regulatory framework applicable to Small Finance Banks.

Key Responsibilities :

1. Business Strategy & P&L; Ownership
- Define and execute the annual and long-term business plan for the Gold Loan vertical, aligned with the Bank's overall growth strategy.




- Own full P&L; responsibility including revenue, NIM, cost of operations, and portfolio profitability.
- Set targets for AUM growth, disbursement volumes, customer acquisition, and branch-level productivity.
- Benchmark the Bank's gold loan product against NBFCs and other SFBs; drive competitive positioning.
- Identify recent geographies and customer segments (including agri-segment, micro entrepreneurs, and first-time borrowers) for portfolio expansion.

2. Product Development & Pricing
- Lead product innovation design and launch gold loan variants (bullet, EMI-based, OD against gold, digital gold loans) catering to diverse customer needs.
- Oversee pricing strategy including interest rate bands, processing fees,
- Collaborate with Risk and Credit teams to define LTV norms, appraiser quality standards, and gold purity assessment protocols.
- Drive digital journeys enable end-to-end digital origination, pledge managem

📌 Business Head-Gold loans (Mumbai)
🏢 Qwickly Ventures
📍 Mumbai