Job Description – Regional Manager – Gold Loans

Business: Financial Services

Unit: Aditya Birla Capital Limited

Location: Vijayawada

Designation: Regional Manager – Gold LoansManaging Existing RelationshipsStructuring New TransactionsCompliance of Regulatory GuidelinesPortfolio Monitoring 3. Job Context & Major ChallengesOrganizational Context

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




Ensure superior customer service and retention across all branches.
Drive repeat business and customer engagement initiatives.
Oversee adherence to valuation, LTV norms, documentation, and approval processes.
Ensure quality sourcing and profitable portfolio growth.
Ensure compliance with RBI guidelines, company policies, audit requirements, and gold custody standards.
Monitor portfolio growth, delinquency, auction performance, risk indicators, and branch profitability.

Gold Loans is a strategically significant 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:

Ach

📌 RH - Gold Loan - Vijayawada (India)
🏢 Aditya Birla Capital
📍 India