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.