Join Our Community
Location: India Uttarakhand 97 Rajpur Road, Dehradun
Organization: Financial Services
===============================================================================================================
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. **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.* **New Relationship**
(Max 254 Characters)
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 **Managing Existing Relationship**
(Max 254 Characters)
The position holder will be managing a team – multiple branch heads and oversee distributed branch teams across the area **Structuring new Transactions**
(Max 254 Characters)
The role holder will define the business plans for the area, manpower structure and productivity benchmarks aligned to national strategy. **Compliance of regulatory guidelines**
(Max 254 Characters)
The incumbent will be responsible for compliance with all regulatory requirements. **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)**
==============================================================================================================================================================================================================================================
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.
=======================================================================================================================================================================================================================================
Scale business sustainably
Profitability \& P\&L Management – deliver profitable growth with cost discipline
Portfolio Quality \& Risk Management – required to maintain superior asset quality and collateral safety
Branch Productivity – build and optimize a high performing branch network
Sales Effective \& Customer Acquisition – drive frontline productivity and customer reach
Compliance, Audit \& Regulatory Adherence
People Leadership \& Capability Building
=================================================================================================================================
Following roles are likely to be reported to Regional Head \- Gold Loan* Branch Manager – Gold Loan
=========================================================================================================================================================================================================================================================================================
=========================================
=============
================================
IT dept
Once a week/Fortnightly
Web site updating, joint initiatives in online platform, staff IT training \& back\-office support
Marketing team
Once a week/Fortnightly
Discussion on need for promotional \& lead generation campaigns, web\-based campaigns
Support / Other functions \[Risk Policy, Audit, Compliance \& HR etc.]
Once a week
Need\-based discussions on product, business, team requirements **External**
Customers
Need based
Feedback on products, complaints/ escalations management
Channel partners, Investment banks
Need based
Marketing new product recommendations, discussing funding trends and highlighting market analytics
Vendors
Need based
Discussing new product ideas, soliciting ideas, Product negotiations, joint value propositions, seeking marketing and training support, etc.
Support Accounts
Aditya Birla Group · Maharashtra, India
Applications Security Manager
Aditya Birla Group · MH, IN
Area Marketing Mgr Asia
Aditya Birla Group · MH, IN