Job Description: Associate Area Head – Gold Loan
Location:
Kadapa, Andhra Pradesh

Department:
Gold Loan Business

Reporting To:
Area Head - Gold Loan

Job Summary
The Associate Area Head - Gold Loan will support the Area Head in driving business growth, portfolio expansion, operational excellence, and team performance across the assigned territory. The role involves overseeing branch operations, managing branch teams, ensuring compliance with policies, and driving customer acquisition and retention to achieve business objectives.

Key Responsibilities
Business Development & Portfolio Growth
- Support the achievement of branch-wise Gold Loan disbursement, revenue, and portfolio targets.
- Drive business acquisition through local market activities, customer engagement, and lead generation initiatives.
- Identify business opportunities and expansion prospects within the territory.
- Monitor branch productivity and implement action plans to improve performance.
- Track competitor activities and market trends to strengthen business growth.

Branch & Team Management




- Supervise and support Branch Managers and branch teams across assigned locations.
- Ensure manpower availability and optimum utilization of resources.
- Conduct regular branch visits and business reviews.
- Coach and mentor teams to enhance productivity and customer service standards.
- Drive employee engagement and support training and development initiatives.

Portfolio Quality & Risk Management
- Monitor portfolio health and ensure adherence to risk management practices.
- Track overdue accounts and support collection efforts to ensure portfolio quality.
- Ensure proper appraisal, valuation, storage, and release of pledged gold as per company guidelines.
- Assist in minimizing fraud risks through process monitoring and branch audits.
- Work closely with branches to reduce delinquency and auction cases.

Operations & Compliance
- Ensure compliance with company policies, audit requirements, and regulatory

📌 AAH - Gold Loan - Kadapa (Andhra Pradesh)
🏢 Aditya Birla Capital
📍 Andhra Pradesh