Job Description:Job Purpose:Regional Head – Gold Loans is responsible for driving strategy execution, growth, profitability, portfolio quality and operational governance across the assigned region. The role ensures achievement of AUM, disbursement, P&L;, branch expansion and compliance targets through leadership of teams.2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. New Relationship (Max 254 Characters) Gold loans is a new business, and the incumbent is required to build new relationship with all stakeholders of enabling functions, and all regional stakeholdersManaging Existing Relationship (Max 254 Characters) The position holder will be managing large team – multiple area heads and oversee large distributed branch teams across the regionStructuring new Transactions (Max 254 Characters) The role holder will define the business plans for the region, manpower structure and productivity benchmarks aligned to national strategy. Compliance of regulatory guidelines (Max 254 Characters) The incumbent will be responsible for compliance with all regulatory requirements.Portfolio monitoringThe incumbent will be responsible for monitoring portfolio and market updates.3) Job Context & Major Challenges:Organization ContextAditya Birla Capital Limited ("NBFC") is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 Crores. ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans,



and Infrastructure Finance loans. ABCL also has a Wealth Management division. ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII. Business Context Job Context: Translate circle gold loan strategy into regional execution plan while balancing rapid growth with strict risk discipline. This position execution of business expansion initiatives, overseeing profit and loss statements, ensuring adherence to risk management and regulatory compliance, and leading cross-functional teams to meet established targets. Key Challenges:Driving rapid AUM growth while maintaining strict LTV norms, low NPAs and strong collateral cover amid gold price volatility. Ensuring zero deviation compliance with RBO guidelines across a large, distributed branch network without slowing business momentum. Preventing fraud, jewelry substitution, internal collusion and security breaches while scaling operationsImproving performance of underproductive branches and optimizing fixed costs in a high volume, low ticker business. Protecting branch reputation by delivering transparent, fast and respectful customer experiences for a highly emotional asset. Key Result Areas (Max 1325 Characters)Supporting Actions (Max 1325 Characters)4) Key Result Areas: Scale business sustainablyAUM Growth YoY / QoQDisbursement Value (INR) Vs PlanActive Customer Base Growth (%)Market Share (%)



in key geographies Ticket Size (Avg Loan Amount)Growth Mix – Current vs Renewal loansProfitability & P&L; Management – deliver profitable growth with cost discipline Net Interest Margin (%)Yield on Gold Loan Portfolio (%)Cost to Income RatioOperating Profit ROA / ROE Incremental Profit per branchPortfolio Quality & Risk Management – required to maintain superior asset quality and collateral safetyGNPA / NNPA (%)SMA (0-30 / 31-90 days) levelsGold Loan LTV (%) adherence Auction Loss (%)Fraud Incidence (No / Value)Recover Rate (%) post delinquencyBranch Productivity – build and optimize a high performing branch network Number of new branches opened vs planBreak even time for new branches AUM per branch Disbursement per branch / per RMLow performing branch reduction (%)Sales Effective & Customer Acquisition – drive frontline productivity and customer reach Disbursement per sales officers / BMCustomer Acquisition cost Conversion ratio – lead to disbursement Repeat customer ratio Cross sell / Upsell RatioCompliance, Audit & Regulatory Adherence RBI / Internal Audit Observation Policy Deviation Cases Gold Purity Testing ComplianceDocumentation Accuracy Zero Tolerance Breach Incident People Leadership & Capability Building Sales & branch Staff AttritionCritical Role Vacancy TATSuccessor Readiness for key roles Training Coverage Productivity Improvement post training 5) Job Purpose of Direct Reports: Following roles are likely to be reported to Regional Head - Gold Loan Area Head – Gold LoanIn absence of middle managerial layers –Branch Head6) Relationships: Relationship Type (Max 80 Characters)Frequency Nature (Max 1325 Characters)Internal Regional HeadsDailyDiscussions in driving sales, acquisition, recruitment, productivity and governance IT deptOnce a week/FortnightlyWeb site updating, joint initiatives in online platform, staff IT training & back-office supportMarketing teamOnce a week/FortnightlyDiscussion on need for promotional & lead generation campaigns, web-based campaignsSupport / Other functions [Risk Policy, Audit, Compliance & HR etc.]Once a weekNeed-based discussions on product, business, team requirementsExternal CustomersNeed basedFeedback on products, complaints/ escalations managementChannel partners, Investment banksNeed basedMarketing new product recommendations, discussing funding trends and highlighting market analyticsVendorsNeed basedDiscussing recent product ideas, soliciting ideas, Product negotiations, joint value propositions, seeking marketing and training support, etc.Go BackApply to JobRefer a friend

📌 Regional Head - Retail - Gold Loan - Jammu (Kishtwar)
🏢 Birla Carbon Italy
📍 Kishtwar