TSI - Patiala
Aditya Birla Group
Area Head - Anand - Gold Loan
About this role
Basic
Details: Fill the required information about business,
unit, location, position, reports to position and date of updation of JD
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Business |
Financial
Services |
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Unit |
Aditya Birla Capital
Limited |
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Location |
Anand/kapadvanj,
Gujarat |
1) Job
Purpose: Write the purpose for which the job exists (in
2-3 lines) (Max 1325 Characters)
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Area
Head – Gold Loans is responsible for driving strategy execution, growth,
profitability, portfolio quality and operational governance across the
assigned area. The role ensures achievement of AUM, disbursement, P&L,
branch expansion and compliance targets through leadership of teams. |
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2) Dimensions: Mention quantitative or qualitative parameters
that are relevant for the job and provide a better understanding of the scope
and scale of the job. |
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New
Relationship |
Gold loans is a new business, and the incumbent
is required to build new relationship with all stakeholders of enabling
functions, and all regional stakeholders |
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Managing
Existing Relationship |
The position holder will be managing a team –
multiple branch heads and oversee distributed branch teams across the area |
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Structuring new
Transactions |
The role holder will define the business plans
for the area, manpower structure and productivity benchmarks aligned to
national strategy. |
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Compliance of
regulatory guidelines |
The incumbent will be responsible for
compliance with all regulatory requirements. |
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Portfolio
monitoring |
The incumbent will be responsible for
monitoring portfolio and market updates. |
3) Job Context
& Major Challenges: Write the specific aspects of the job that provide a
challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section (Max
3975 Characters)
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Organization
Context Aditya Birla Capital Limited ("NBFC") is registered with RBI
as a Systematically Important Non-Deposit accepting Non-Banking Finance
Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As
of 31-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs.
139,500 Crores. ABCL offers end-to-end lending solutions to a diverse set of customers
- Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well
as unsecured loan products. The diverse range of lending products includes
Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans,
Unsecured Business Loans, Health & Education Loans, Digital B2B2C and
B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against
Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real
Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares),
Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure
Finance loans. ABCL also has a Wealth Management division. ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in
2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and
2015 (Bronze), and multiple other Awards on forums like CII.
Business
Context
Job Context:
Translate regional gold loan strategy into area
execution plan while balancing rapid growth with strict risk discipline. This
position execution of business initiatives, overseeing profit and loss
statements, ensuring adherence to risk management and regulatory compliance, and
leading teams to meet established targets.
Key Challenges: · Driving
rapid AUM growth while maintaining strict LTV norms, low NPAs and strong
collateral cover amid gold price volatility. · Ensuring
zero deviation compliance with RBO guidelines across a large, distributed
branch network without slowing business momentum. · Preventing
fraud, jewelry substitution, internal collusion and security breaches while
scaling operations · Improving
performance of underproductive branches and optimizing fixed costs in a high
volume, low ticker business. ·
Protecting branch reputation by delivering transparent, fast and
respectful customer experiences for a highly emotional asset. |
4) Key Result Areas: Write the key results expected from the job and the
supporting actions for each of these key result areas (For most jobs
typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated
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Key Result Areas (Max 1325 Characters) |
Supporting Actions (Max 1325
Characters) |
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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 |
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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 |
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Portfolio Quality & Risk Management – required
to maintain superior asset quality and collateral safety |
o
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 |
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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 (%) |
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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 |
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Compliance, Audit & Regulatory Adherence
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o RBI / Internal Audit Observation o Policy Deviation Cases o Gold Purity Testing Compliance o Documentation Accuracy o Zero Tolerance Breach Incident |
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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 |
5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3
lines for each report)
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Following roles
are likely to be reported to Regional Head - Gold Loan · Branch Manager – Gold Loan · In absence of Branch Manager –
Manager Gold Valuation, Gold Loan officer, Customer Service executive |
6) Relationships: Describe the
nature and purpose of most important contacts or relationship (except
superior/team members) with individuals, departments, organizations inside
and outside of the organization, that job is required to interact with to
deliver the job objectives
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Relationship
Type (Max 80 Characters)
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Frequency
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Nature (Max
1325 Characters)
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Internal |
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IT dept |
Once a
week/Fortnightly |
Web site updating,
joint initiatives in online platform, staff IT training & back-office
support |
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Marketing team |
Once a
week/Fortnightly |
Discussion on
need for promotional & lead generation campaigns, web-based campaigns |
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Support / Other
functions [Risk Policy, Audit, Compliance & HR etc.] |
Once a week |
Need-based
discussions on product, business, team requirements |
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External |
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Customers |
Need based
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Feedback on products,
complaints/ escalations management |
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Channel partners, Investment banks |
Need based |
Marketing new
product recommendations, discussing funding trends and highlighting market
analytics |
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Vendors |
Need based |
Discussing new
product ideas, soliciting ideas, Product negotiations, joint value
propositions, seeking marketing and training support, etc. |
Frequently Asked Questions
Is the salary disclosed for the Area Head - Anand - Gold Loan position at Aditya Birla Group?
The salary for this Area Head - Anand - Gold Loan role at Aditya Birla Group is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Area Head - Anand - Gold Loan position at Aditya Birla Group located?
This Area Head - Anand - Gold Loan role at Aditya Birla Group is based in Ahmedabad, Gujarat, India. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
How do I apply for the Area Head - Anand - Gold Loan position at Aditya Birla Group?
Click the "Apply Now" button on this page. You will be redirected to Aditya Birla Group's official application portal hosted on peoplestrong where you can submit your application directly.
When was the Area Head - Anand - Gold Loan job at Aditya Birla Group posted?
This Area Head - Anand - Gold Loan position at Aditya Birla Group was posted on Jul 16, 2026. Apply as soon as possible — early applications are often reviewed first.
Area Head - Anand - Gold Loan
Aditya Birla Group
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