Regional Head - Jaipur

Job description

**Key Result Areas (Max 1325 Characters)** Supporting Actions (Max 1325 Characters) Scale business sustainably - o AUM Growth YoY / QoQ - o Disbursement Value (INR) Vs Plan - o Active Customer Base Growth (%) - o Market Share (%) in key geographies - o Ticket Size (Avg Loan Amount) - o Growth Mix – New vs Renewal loans Profitability & P&L Management – deliver profitable growth with cost discipline - o Net Interest Margin (%) - o Yield on Gold Loan Portfolio (%) - o Cost to Income Ratio - o Operating Profit - o ROA / ROE - o Incremental Profit per branch Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety - GNPA / NNPA (%) - o SMA (0-30 / 31-90 days) levels - o Gold Loan LTV (%) adherence - o Auction Loss (%) - o Fraud Incidence (No / Value) - o Recover Rate (%) post delinquency Branch Productivity – build and optimize a high performing branch network - o Number of new branches opened vs plan - o Break even time for new branches - o AUM per branch - o Disbursement per branch / per RM - o Low performing branch reduction (%) Sales Effective & Customer Acquisition – drive frontline productivity and customer reach - o Disbursement per sales officers / BM - o Customer Acquisition cost - o Conversion ratio – lead to disbursement - o Repeat customer ratio - o Cross sell / Upsell Ratio Compliance, Audit & Regulatory Adherence - o RBI / Internal Audit Observation - o Policy Deviation Cases - o Gold Purity Testing Compliance - o Documentation Accuracy - o Zero Tolerance Breach Incident People Leadership & Capability Building - o Sales & branch Staff Attrition - o Critical Role Vacancy TAT - o Successor Readiness for key roles - o Training Coverage - o Productivity Improvement post training