Job Description
JOB DESCRIPTION
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nDesignation: Business Head – Gold Loans
nDepartment: Gold Loan Business
nReporting To: CEO
nLocation: Corporate Office (Coimbatore)
nIndustry: NBFC / Banking
nEmployment Type: Full time
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nExperience
nPreferred: 10+ years in Gold Loans, Retail Lending, NBFC or Banking.
nStrong prior experience in Gold Loan business management is highly preferred.
nThe candidate should ideally have managed a multi-branch Gold Loan portfolio in roles such as:
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Gold Loan Business Headn
State Headn
Zonal Headn
Regional Business Headn
Product Head – Gold Loansn

nKey Competencies
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Solid Gold Loan business knowledgen
Multi-branch business managementn
Robust commercial orientationn
Portfolio and risk managementn
Collections and auction knowledgen
Strong analytical and MIS capabilityn
Leadership and people managementn
Customer orientationn
Ability to balance growth with controlsn
High integrity and governance orientationn

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nIdeal Candidate Profile




nThe ideal candidate should be capable of managing the Gold Loan vertical as an independent business unit with responsibility for:
nGrowth: AUM, disbursement, customers and market penetration.
nProfitability: Yield, revenue and branch productivity.
nPortfolio Quality: Collections, delinquency, NPA and auction control.
nGovernance: Gold custody, fraud prevention, audit and compliance.
nPeople: Field leadership, manpower productivity, training and succession.
nThe 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.
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nRole Purpose
nThe Gold Loan Business Head will have end-to-end responsibility for the Company’s Gold Loan business across all branches and locations.
nThe role will be responsible for business growth, AUM, profitability, branch productivity, portfolio quality, coll

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