Area Head - Gold Loans - Delhi

Job description

**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 new 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