JOB DESCRIPTIONDesignation: Business Head – Gold LoansDepartment: Gold Loan BusinessReporting To: CEOLocation: Corporate Office (Coimbatore)Industry: NBFC / BankingEmployment Type: Full-timeExperiencePreferred: 10+ years in Gold Loans, Retail Lending, NBFC or Banking.Strong prior experience in Gold Loan business management is highly preferred.The candidate should ideally have managed a multi-branch Gold Loan portfolio in roles such as:Gold Loan Business HeadState HeadZonal HeadRegional Business HeadProduct Head – Gold LoansKey CompetenciesStrong Gold Loan business knowledgeMulti-branch business managementStrong commercial orientationPortfolio and risk managementCollections and auction knowledgeStrong analytical and MIS capabilityLeadership and people managementCustomer orientationAbility to balance growth with controlsHigh integrity and governance orientationIdeal Candidate ProfileThe ideal candidate should be capable of managing the Gold Loan vertical as an independent business unit with responsibility for:Growth: AUM, disbursement, customers and market penetration.Profitability: Yield, revenue and branch productivity.Portfolio Quality: Collections, delinquency, NPA and auction control.Governance: Gold custody, fraud prevention, audit and compliance.People: Field leadership, manpower productivity, training and succession.The Company is looking for a hands-on Gold Loan Business Head who can scale the business across the organisation while maintaining strong portfolio quality, operational controls and regulatory discipline.Role PurposeThe Gold Loan Business Head will have end-to-end responsibility for the Company’s Gold Loan business across all branches and locations.The role will be responsible for business growth, AUM, profitability, branch productivity, portfolio quality, collections, customer acquisition, product strategy, operational controls, gold custody, auctions, manpower productivity and regulatory compliance.The Business Head will operate from the Corporate Office and provide central leadership, strategy and performance oversight for the entire Gold Loan vertical.Key Responsibilities1. Business Strategy & GrowthDevelop and execute the overall Gold Loan business strategy.Prepare annual and long-term business plans.Define AUM, disbursement, revenue and profitability targets.Drive customer acquisition, retention, renewals and repeat business.Identify opportunities for branch expansion and market penetration.Monitor competitor products, pricing and market practices.Recommend new schemes and product improvements.2. Business & Branch PerformanceOwn overall Gold Loan AUM, disbursements, revenue,



yield and profitability.Set branch-wise and region-wise business targets.Monitor daily, weekly and monthly performance.Conduct regular reviews with Regional, Area and Branch Managers.Identify underperforming branches and implement corrective actions.Improve business and revenue productivity per branch and employee.3. Product & PricingDevelop and periodically review:Gold Loan schemesInterest ratesLoan-to-Value structuresTicket-size segmentsTenure and repayment structuresProcessing fees and other permitted chargesRenewal structuresCustomer offersEnsure products remain competitive, profitable and compliant with applicable regulations.4. Credit & LTV GovernanceEnsure adherence to approved Gold Loan Credit Policy.Monitor Loan-to-Value limits.Establish approval authorities and delegation matrices.Monitor policy deviations and exceptions.Review high-value exposures.Coordinate with Credit, Risk and Compliance on policy changes.5. Gold Appraisal & CustodyEstablish strong controls covering:Gold appraisalPurity testingWeight verificationValuationDocumentationPacket preparation and sealingVault storageDual custodyGold movementRelease of pledged ornamentsReconciliationEnsure maker-checker and dual-control processes are followed throughout the Gold Loan lifecycle.6. OperationsEnsure standardised branch processes for:Customer onboardingKYCGold appraisalSanction and disbursementDocumentationGold custodyInterest servicingRenewalsPart paymentsLoan closureGold releaseCustomer communicationSystem controls7. Portfolio Quality & CollectionsOwn and monitor:Collection efficiencyOverdue accountsDelinquencySMA / NPAInterest servicingPortfolio ageingRenewal behaviourAuction pipelineWork closely with Collections to reduce overdue accounts, prevent NPA slippages and implement structured recovery strategies.8. Gold Auction ManagementProvide oversight of the auction process including:Auction-eligible accountsCustomer notices and communicationPre-auction recovery effortsGold valuationAuction schedulingAuction processAdjustment of auction proceedsTreatment of surplus amountsUnsuccessful or deferred auctionsThe objective should be to minimise auctions through effective collections while ensuring timely recovery where required.9.



Customer Acquisition & ExperienceDevelop strategies for current customer acquisition and repeat business.Improve referral and retention rates.Drive local market penetration.Monitor customer turnaround time.Ensure transparent communication of interest rates, charges and repayment obligations.Monitor customer complaints and resolution quality.10. Sales & MarketingWork with Marketing and field teams on:Local-area campaignsDigital campaignsReferral programmesSeasonal campaignsCustomer activationRenewal campaignsCompetitor conversion programmes11. Policy, Risk & Fraud ControlsWork with Credit, Risk, Compliance and Operations to maintain strong policies and controls covering:Gold Loan PolicyAppraisal SOPCustody and Vault SOPAuction PolicyCollection processesDelegation of AuthorityException managementFraud preventionMonitor risks including:Fake or spurious goldGold substitutionWeight / purity manipulationEmployee-customer collusionUnauthorised gold releaseDocumentation fraudCash irregularitiesSystem manipulation12. Audit & ComplianceEnsure readiness for internal audit, gold audit, surprise inspections and regulatory reviews.Monitor audit findings and ensure timely closure.Ensure adherence to applicable RBI directions, KYC requirements, Fair Practices Code and internal policies.Work closely with Compliance and Internal Audit on recurring control issues.13. Team LeadershipLead and develop the Gold Loan organisation including:Regional ManagersArea ManagersBranch ManagersGold Loan OfficersAppraisersSales and Operations teamsResponsibilities include manpower planning, performance reviews, training, productivity improvement and succession planning.14. TrainingEnsure training on:Gold appraisalProduct knowledgeCredit policyKYCGold custodyFraud preventionCustomer serviceCollectionsAuction proceduresRegulatory requirements15. MIS & AnalyticsMaintain dashboards covering:AUMDisbursementRevenueYieldCollectionsCustomer acquisitionRenewalsBranch productivityLTVDelinquencyNPAAuction portfolioGold inventoryEmployee productivityProfitabilityUse data to identify trends and initiate corrective actions.16. Profitability & Cost ManagementOwn the profitability of the Gold Loan business.Monitor:Interest incomePortfolio yieldCost of fundsBranch operating costsManpower costsMarketing costsCredit costsAuction lossesRevenue per branchProfitability per branchKey Performance IndicatorsGold Loan AUM growthMonthly disbursementRevenue and profitabilityPortfolio yieldCollection efficiencyDelinquency / NPA levelsCustomer acquisitionRenewal and repeat-customer ratesBranch productivityEmployee productivityAuction levelsAudit and compliance performancePortfolio qualityNew branch performance

📌 Business Head - Gold Loans (Corporate Office) (Coimbatore)
🏢 Dhanam Investment And Finance (P
📍 Coimbatore