Job Description – Regional Manager – Gold Loans

Business: Financial Services
Unit: Aditya Birla Capital Limited
Location: Vijayawada
Designation: Regional Manager – Gold Loans

1. Job Purpose

The Regional Manager – Gold Loans is responsible for driving business growth, portfolio quality, profitability, operational excellence, and risk management across the designated region. The role ensures achievement of disbursement, revenue, collection, and customer acquisition targets while maintaining strict adherence to gold valuation standards, regulatory requirements, audit controls, and asset safety protocols. The incumbent will lead Area Heads/Branch Managers to build a high-performance sales and service culture.

2. Dimensions

New Relationship

• Drive customer acquisition and market expansion across the region.
• Develop partnerships, local marketing initiatives, and referral networks to increase wallet share.

Managing Existing Relationships

• Ensure superior customer service and retention across all branches.
• Drive repeat business and customer engagement initiatives.

Structuring New Transactions

• Oversee adherence to valuation, LTV norms, documentation, and approval processes.
• Ensure quality sourcing and profitable portfolio growth.

Compliance of Regulatory Guidelines

• Ensure compliance with RBI guidelines, company policies, audit requirements, and gold custody standards.

Portfolio Monitoring

• Monitor portfolio growth, delinquency, auction performance, risk indicators, and branch profitability.

3. Job Context & Major Challenges

Organizational Context

Gold Loans is a strategically important secured lending business requiring rapid turnaround, high customer trust, stringent risk controls, and efficient branch operations. The Regional Manager is accountable for balancing aggressive growth objectives with strong governance and risk management practices. [JD - Manag...Valuation | Word]

Job Context

The role oversees multiple Area Heads and Branch Managers across the region and ensures:

• Achievement of business targets and profitability.
• Adherence to approved valuation and operational standards.
• Prevention of spurious, counterfeit, and bentex gold incidents.
• Effective collection management and controlled NPAs.
• Strong audit and compliance scores across branches.
• Talent development and succession planning.

Key Challenges

• Managing rapid business growth while maintaining portfolio quality.
• Driving productivity across geographically dispersed branches.
• Ensuring consistent valuation and risk practices.
• Managing collections and auctions in competitive markets.
• Building and retaining capable branch leadership teams.
• Maintaining customer experience while ensuring compliance.

4. Key Result Areas (KRAs)

5. Job Purpose of Direct Reports

Area Head – Gold Loans

• Responsible for achieving business, portfolio, and profitability targets within the assigned territory.
• Manage Branch Managers and ensure adherence to operational, valuation, and compliance standards.

Branch Manager – Gold Loans

• Drive branch business, customer acquisition, collections, and operational controls.
• Ensure proper execution of gold valuation, documentation, and customer service processes.

6. Relationships

Key Competencies

Functional Competencies

• Gold Loan Business Management
• Lending & Credit Fundamentals
• Portfolio Risk Management
• Collections & Recovery Management
• Regulatory Compliance
• Branch Operations Management
• MIS & Business Analytics

Behavioral Competencies

• Leadership & Team Management
• Customer Centricity
• Execution Excellence
• Strategic Thinking
• Decision Making
• Stakeholder Management
• Problem Solving

Preferred Experience

• 10–15 years of experience in Gold Loans, Retail Assets, NBFC, Banking or Secured Lending.
• Minimum 3–5 years in managing multi-branch/multi-state operations.
• Proven track record in business growth, collections, and team leadership.