Zonal Head - Gold Loan

Job description

**Role & responsibilities** Business Growth & Revenue Management - Drive Gold Loan business growth across the assigned zone and achieve disbursement, portfolio, and revenue targets. - Formulate and execute business strategies to enhance market share and customer acquisition. - Monitor branch-wise productivity and implement corrective actions to improve performance. - Identify new business opportunities and expansion markets within the zone. - Drive cross-selling of banking products and services to Gold Loan customers. Portfolio & Risk Management - Ensure adherence to Gold Loan policies, operational guidelines, and risk management frameworks. - Monitor portfolio quality, overdue levels, auction cases, and delinquency trends. - Review loan-to-value (LTV) compliance and ensure regulatory adherence. - Conduct periodic portfolio reviews and implement risk mitigation measures. - Coordinate with risk, audit, and compliance teams to address observations and improve controls. Team Leadership & People Management - Lead and manage Regional Heads, Cluster Managers, Branch Managers, and Gold Loan teams across the zone. - Set performance goals and monitor achievement through regular reviews. - Drive employee engagement, capability building, and succession planning. - Identify training needs and facilitate skill enhancement programs. - Foster a high-performance and customer-centric culture. Operations & Compliance - Ensure smooth operational functioning across all Gold Loan branches and business units. - Maintain compliance with internal policies, regulatory requirements, and audit standards. - Monitor operational efficiency, turnaround times, and customer service quality. - Ensure proper custody, valuation, and security of pledged gold assets. - Drive adherence to KYC, AML, and fraud prevention guidelines. Stakeholder Management - Collaborate with Credit, Risk, Operations, HR, Marketing, and Collections teams to achieve business objectives. - Maintain strong relationships with key external stakeholders, including valuers, auditors, and local authorities where required. - Support strategic initiatives and projects related to Gold Loan business expansion. MIS & Performance Monitoring - Review business MIS, portfolio performance, and productivity metrics regularly. - Analyze market trends, competition, and customer behavior to drive strategic decisions. - Present periodic business reviews and action plans to senior management.