Key Result Areas:

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Scale business sustainably

o AUM Growth YoY / QoQ
o Disbursement Value (INR) Vs Plan
o Active Customer Base Growth (%)
o Market Share (%) in key geographies
o Ticket Size (Avg Loan Amount)
o Growth Mix – New vs Renewal loans

Profitability & P&L; Management – deliver profitable growth with cost discipline

o Net Interest Margin (%)
o Yield on Gold Loan Portfolio (%)
o Cost to Income Ratio
o Operating Profit
o ROA / ROE
o Incremental Profit per branch

Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety

GNPA / NNPA (%)
o SMA (0-30 / 31-90 days) levels
o Gold Loan LTV (%) adherence
o Auction Loss (%)
o Fraud Incidence (No / Value)
o Recover Rate (%) post delinquency

Branch Productivity – build and optimize a high performing branch network

o Number of current branches opened vs plan




o Break even time for new branches
o AUM per branch
o Disbursement per branch / per RM
o Low performing branch reduction (%)

Sales Effective & Customer Acquisition – drive frontline productivity and customer reach

o Disbursement per sales officers / BM
o Customer Acquisition cost
o Conversion ratio – lead to disbursement
o Repeat customer ratio
o Cross sell / Upsell Ratio

Compliance, Audit & Regulatory Adherence

o RBI / Internal Audit Observation
o Policy Deviation Cases
o Gold Purity Testing Compliance
o Documentation Accuracy
o Zero Tolerance Breach Incident

People Leadership & Capability Building

o Sales & branch Staff Attrition
o Critical Role Vacancy TAT
o Successor Readiness for key roles
o Training Coverage
o Productivity Improvement post training

📌 Circle Head (India)
🏢 Aditya Birla Capital
📍 India