Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters) Scale business sustainably
• AUM Growth YoY / QoQ
• Disbursement Value (INR) Vs Plan
• Active Customer Base Growth (%)
• Market Share (%) in key geographies
• Ticket Size (Avg Loan Amount)
• Growth Mix – New vs Renewal loans Profitability & P&L; Management – deliver profitable growth with cost discipline
• Net Interest Margin (%)
• Yield on Gold Loan Portfolio (%)
• Cost to Income Ratio
• Operating Profit
• ROA / ROE
• Incremental Profit per branch Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety
• GNPA / NNPA (%)
• SMA (0-30 / 31-90 days) levels
• Gold Loan LTV (%) adherence
• Auction Loss (%)
• Fraud Incidence (No / Value)
• Recover Rate (%) post delinquency Branch Productivity – build and optimize a high performing branch network
• Number of recent branches opened vs plan




• Break even time for new branches
• AUM per branch
• Disbursement per branch / per RM
• Low performing branch reduction (%) Sales Effective & Customer Acquisition – drive frontline productivity and customer reach
• Disbursement per sales officers / BM
• Customer Acquisition cost
• Conversion ratio – lead to disbursement
• Repeat customer ratio
• Cross sell / Upsell Ratio Compliance, Audit & Regulatory Adherence
• RBI / Internal Audit Observation
• Policy Deviation Cases
• Gold Purity Testing Compliance
• Documentation Accuracy
• Zero Tolerance Breach Incident People Leadership & Capability Building
• Sales & branch Staff Attrition
• Critical Role Vacancy TAT
• Successor Readiness for key roles
• Training Coverage
• Productivity Improvement post training

📌 Associate Area Head (India)
🏢 Aditya Birla Capital
📍 India