– Regional Manager – Gold Loans

Business: Financial Services

Unit: Aditya Birla Capital Limited

Location: Vijayawada

Designation: Regional Manager – Gold Loans

1. Job Purpose

The Regional Manager – Gold Loans is responsible for driving business growth, portfolio quality, profitability, operational excellence, and risk management across the designated region. The role ensures achievement of disbursement, revenue, collection, and customer acquisition targets while maintaining strict adherence to gold valuation standards, regulatory requirements, audit controls, and asset safety protocols. The incumbent will lead Area Heads/Branch Managers to build a high-performance sales and service culture.

2. Dimensions

New Relationship

- Drive customer acquisition and market expansion across the region.
- Develop partnerships, local marketing initiatives, and referral networks to increase wallet share.

Managing Existing Relationships

- Ensure superior customer service and retention across all branches.
- Drive repeat business and customer engagement initiatives.

Structuring Recent Transactions

- Oversee adherence to valuation, LTV norms, documentation, and approval processes.
- Ensure quality sourcing and profitable portfolio growth.

Compliance of Regulatory Guidelines

- Ensure compliance with RBI guidelines, company policies, audit requirements, and gold custody standards.

Portfolio Monitoring

- Monitor portfolio growth, delinquency, auction performance, risk indicators, and branch profitability.

3. Job Context & Major Challenges

Organizational Context

Gold Loans is a strategically important secured lending business requiring rapid turnaround, high customer trust, stringent risk controls, and efficient branch operations. The Regional Manager is accountable for balancing aggressive growth objectives with strong governance and risk management practices. [JD - Manag...Valuation | Word]

Job Context

The role oversees multiple Area Heads and Branch Managers across the region and ensures:

- Achievement of business targets and profitability.




- Adherence to approved valuation and operational standards.
- Prevention of spurious, counterfeit, and bentex gold incidents.
- Effective collection management and controlled NPAs.
- Strong audit and compliance scores across branches.
- Talent development and succession planning.

Key Challenges

- Managing rapid business growth while maintaining portfolio quality.
- Driving productivity across geographically dispersed branches.
- Ensuring consistent valuation and risk practices.
- Managing collections and auctions in competitive markets.
- Building and retaining capable branch leadership teams.
- Maintaining customer experience while ensuring compliance.

4. Key Result Areas (KRAs)

Key Result AreaSupporting ActionsBusiness Growth & DisbursementAchieve regional disbursement, revenue and AUM targets through branch productivity and market expansion.Customer Acquisition & Market DevelopmentDrive customer acquisition initiatives, branch expansion and local marketing activities.Portfolio Quality ManagementMonitor delinquency, overdue accounts, NPA levels and corrective actions across branches.Gold Valuation GovernanceEnsure adherence to valuation SOPs, purity testing standards and LTV norms across all branches.Risk & Compliance ManagementEnsure compliance with regulatory guidelines, internal audits, surprise checks and operational controls.Collections & Auction ManagementDrive collection efficiency, overdue recovery and auction processes within policy guidelines.Profitability & ProductivityImprove branch productivity, operating efficiency and profitability metrics.Team Leadership & Talent DevelopmentRecruit, coach and develop Area Heads, Branch Managers and key talent across the region.Customer ExperienceEnhance service quality,



complaint resolution and customer retention.Business Reviews & ReportingConduct regular business reviews, MIS analysis and action planning for performance improvement.

5. Job Purpose of Direct Reports

Area Head – Gold Loans

- Responsible for achieving business, portfolio, and profitability targets within the assigned territory.
- Manage Branch Managers and ensure adherence to operational, valuation, and compliance standards.

Branch Manager – Gold Loans

- Drive branch business, customer acquisition, collections, and operational controls.
- Ensure proper execution of gold valuation, documentation, and customer service processes.

6. Relationships

RelationshipFrequencyNatureArea HeadsDailyBusiness reviews, performance tracking, target achievement and governance.Branch ManagersDailyOperational management, business planning and compliance monitoring.Risk TeamWeekly / Need BasedPortfolio quality, fraud prevention and risk mitigation.Audit TeamNeed BasedAudit observations, branch reviews and closures.Operations TeamDailyProcess adherence, customer service and operational support.HR TeamMonthlyHiring, manpower planning and talent development.CustomersNeed BasedRelationship management and grievance resolution.External Agencies / VendorsNeed BasedSecurity, auction, valuation and branch infrastructure support.

Key Competencies

Functional Competencies

- Gold Loan Business Management
- Lending & Credit Fundamentals
- Portfolio Risk Management
- Collections & Recovery Management
- Regulatory Compliance
- Branch Operations Management
- MIS & Business Analytics

Behavioral Competencies

- Leadership & Team Management
- Customer Centricity
- Execution Excellence
- Strategic Thinking
- Decision Making
- Stakeholder Management
- Problem Solving

Preferred Experience

- 10–15 years of experience in Gold Loans, Retail Assets, NBFC, Banking or Secured Lending.
- Minimum 3–5 years in managing multi-branch/multi-state operations.
- Proven track record in business growth, collections, and team leadership.

📌 RH - Gold Loan - Vijayawada (Andhra Pradesh)
🏢 Financial services
📍 Andhra Pradesh