JOB DESCRIPTION

Designation: Business Head – Gold Loans
Department: Gold Loan Business
Reporting To: CEO
Location: Corporate Office (Coimbatore)
Industry: NBFC / Banking
Employment Type: Full-time

Experience
Preferred: 10+ years in Gold Loans, Retail Lending, NBFC or Banking.
Robust 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 Head
State Head
Zonal Head
Regional Business Head
Product Head – Gold Loans

Key Competencies
Solid Gold Loan business knowledge
Multi-branch business management
Strong commercial orientation
Portfolio and risk management
Collections and auction knowledge
Strong analytical and MIS capability
Leadership and people management
Customer orientation
Ability to balance growth with controls
High integrity and governance orientation

Ideal Candidate Profile




The 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 solid portfolio quality, operational controls and regulatory discipline.

Role Purpose
The 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 an

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