Copilot Said

Job Description: Associate Area Head (AAH) – Gold Loan

Location: Ananthapur, Andhra Pradesh

Department: Gold Loan Business

Reporting To: Area Head – Gold Loan

Job Summary

The Associate Area Head (AAH) – Gold Loan will be responsible for supporting business growth, branch operations, portfolio management, and team performance across the assigned territory. The role requires close coordination with Branch Managers to achieve business targets, maintain portfolio quality, ensure regulatory compliance, and deliver superior customer service.

Key ResponsibilitiesBusiness Growth & Market Development

Drive Gold Loan business growth across branches within the assigned territory.
Support achievement of disbursement, portfolio, revenue, and profitability targets.
Identify local business opportunities and develop market penetration strategies.
Enhance customer acquisition through branch activities, referrals, and local campaigns.
Monitor market trends and competitor activities to increase market share.

Branch Management & Team Leadership





Manage and guide Branch Managers and branch teams across the territory.
Conduct regular branch visits to review business, operations, and service quality.
Ensure optimum manpower utilization and productivity across branches.
Coach and mentor teams to improve sales performance and customer engagement.
Drive a culture of accountability, performance, and customer focus.

Portfolio Quality & Risk Control

Monitor branch-level portfolio health and asset quality.
Ensure timely collections and control of overdue and auction cases.
Implement measures to reduce delinquency and maintain portfolio standards.
Ensure adherence to gold appraisal, storage, and release procedures.
Identify and mitigate operational and business risks.

Operations & Compliance

Ensure compliance with internal policies, audit requirements, and regulatory guidelines.
Conduct periodic operational reviews and process audits.
Ensure closure of audit observations

📌 AAH - Gold Loan - Ananthapur KR (India)
🏢 Aditya Birla Capital
📍 India