Job Description: Area Head – Gold Loan

Location: Tirupati, Andhra Pradesh

Department: Gold Loan Business

Reporting To: Regional Head / State Head – Gold Loan

Job Summary

The Area Head - Gold Loan will be responsible for driving business growth, profitability, portfolio quality, and operational excellence across the assigned territory. The role involves managing multiple Gold Loan branches, leading Branch Managers and field teams, ensuring compliance with company policies, and delivering customer-centric solutions to achieve business objectives.

Key ResponsibilitiesBusiness Growth & Revenue Management

Drive Gold Loan business across assigned branches in Tirupati and surrounding markets.
Achieve branch-wise disbursement, revenue, portfolio, and profitability targets.
Develop and execute local market strategies to increase customer acquisition and market penetration.
Identify recent business opportunities and expansion potential within the territory.
Monitor competitor activities, pricing, and customer preferences to enhance market share.

Team Management

Lead, mentor,



and develop Branch Managers and branch staff across the region.
Ensure adequate manpower availability and productivity across branches.
Conduct regular branch reviews and performance discussions.
Drive employee engagement, training, and capability-building initiatives.
Foster a high-performance and customer-focused culture within the team.

Portfolio & Risk Management

Ensure healthy portfolio growth while maintaining asset quality.
Monitor overdue accounts, auction cases, and portfolio delinquency.
Implement collection and recovery strategies to control NPA levels.
Ensure proper appraisal, valuation, storage, and release of pledged gold as per policy.
Minimize fraud risks through regular monitoring and process adherence.

Operations & Compliance

Ensure adherence to RBI regulations, internal policies, audit requirements, and operational guidelines.
Conduct regular branch visits to review operationa

📌 AH - Gold Loan - Tirupati (India)
🏢 Aditya Birla Capital
📍 India