RH - Gold Loan - Hyderabad

Job description

Role Title: Regional Head – Gold Loan Location: Hyderabad **Role Purpose** To drive growth, profitability, and portfolio quality of the Gold Loan business across the assigned region by leading sales, operations, and risk management while ensuring regulatory compliance and customer satisfaction. **Key Responsibilities** - Business Growth & Sales Management - Drive gold loan portfolio growth across branches in the region - Achieve disbursement, revenue, and market share targets - Identify new markets and expansion opportunities - Monitor branch-wise performance and implement corrective actions - Team Leadership & Capability Building - Lead and manage Area Managers, Branch Managers, and frontline teams - Drive productivity, performance culture, and accountability - Conduct regular reviews, training, and capability development - Ensure optimal manpower planning and utilization - Portfolio Quality & Risk Management - Maintain healthy portfolio quality with strong focus on NPA control - Ensure adherence to credit policies, valuation practices, and audit requirements - Monitor delinquency trends and implement recovery strategies - Strengthen fraud prevention and risk mitigation processes - Operations & Compliance - Ensure smooth branch operations with adherence to SOPs - Drive process efficiency, turnaround time (TAT), and service delivery - Maintain compliance with RBI guidelines and internal policies - Ensure audit closure and zero critical observations - Customer Experience & Market Penetration - Enhance customer acquisition and retention strategies - Build strong relationships with key customers and local influencers - Monitor customer satisfaction and resolve escalations - Drive brand visibility and regional marketing initiatives - Stakeholder Management - Collaborate with credit, risk, operations, HR, and product teams - Provide market feedback for product and policy improvements - Ensure alignment with organizational goals and strategy **Key Requirements** - Experience: 10–15 years in BFSI with strong exposure to Gold Loan / Secured Lending - Minimum 3–5 years in a leadership role managing multiple locations - Strong understanding of gold valuation, branch operations, and compliance - Proven track record in driving sales and managing large teams - Good analytical, leadership, and stakeholder management skills **Key Performance Indicators (KPIs)** - Portfolio growth and disbursement targets - Portfolio quality (NPA, delinquency levels) - Branch productivity and team performance - Audit and compliance adherence