Business Head - Gold Loans; Corporate Office

Position: Business Head - Gold Loans (Corporate Office)
Location: Athiyur

JOB DESCRIPTION

Designation:  Business Head – Gold Loans
Department:  Gold Loan Business
Reporting To:  CEO

Location:

Corporate Office (Coimbatore)
Industry:  NBFC / Banking

Employment Type:

Full-time

Experience
Preferred:  10+ years in Gold Loans, Retail Lending, NBFC or Banking.
Strong prior experience in  Gold Loan business management  is highly preferred.
The candidate should ideally have managed a multi-branch Gold Loan portfolio in roles such as:
Gold Loan Business Head
State Head
Zonal Head
Regional Business Head
Product Head – Gold Loans
Key Competencies
Strong Gold Loan business knowledge
Multi-branch business management
Strong commercial orientation
Portfolio and risk management
Collections and auction knowledge
Strong analytical and MIS capability
Leadership and people management
Customer orientation
Ability to balance growth with controls
High integrity and governance orientation

Ideal Candidate Profile
The ideal candidate should be capable of managing the Gold Loan vertical as an independent business unit with responsibility for:
Growth:  AUM, disbursement, customers and market penetration.
Profitability:  Yield, revenue and branch productivity.
Portfolio Quality:  Collections, delinquency, NPA and auction control.
Governance:  Gold custody, fraud prevention, audit and compliance.
People:  Field leadership, manpower productivity, training and succession.
The Company is looking for a  hands-on Gold Loan Business Head who can scale the business across the organisation while maintaining strong portfolio quality, operational controls and regulatory discipline.

Role Purpose
The Gold Loan Business Head will have end-to-end responsibility for the Company’s Gold Loan business across all branches and locations.
The role will be responsible for business growth, AUM, profitability, branch productivity, portfolio quality, collections, customer acquisition, product strategy, operational controls, gold custody, auctions, manpower productivity and regulatory compliance.
The Business Head will operate from the Corporate Office and provide central leadership, strategy and performance oversight for the entire Gold Loan vertical.

Key Responsibilities
1. Business Strategy & Growth
Develop and execute the overall Gold Loan business strategy.
Prepare annual and long-term business plans.
Define AUM, disbursement, revenue and profitability targets.
Drive customer acquisition, retention, renewals and repeat business.
Identify opportunities for branch expansion and market penetration.
Monitor competitor products, pricing and market practices.
Recommend new schemes and product improvements.
2. Business & Branch Performance
Own overall Gold Loan AUM, disbursements, revenue, yield and profitability.
Set branch-wise and region-wise business targets.
Monitor daily, weekly and monthly performance.
Conduct regular reviews with Regional, Area and Branch Managers.
Identify underperforming branches and implement corrective actions.
Improve business and revenue productivity per branch and employee.
3. Product & Pricing
Develop and periodically review:
Gold Loan schemes
Interest rates
Loan-to-Value structures
Ticket-size segments
Tenure and repayment structures
Processing fees and other permitted charges
Renewal structures
Customer offers
Ensure products remain competitive, profitable and compliant with applicable regulations.
4. Credit & LTV Governance
Ensure adherence to approved Gold Loan Credit Policy.
Monitor Loan-to-Value limits.
Establish approval authorities and delegation matrices.
Monitor policy deviations and exceptions.
Review high-value exposures.
Coordinate with Credit, Risk and Compliance on policy changes.
5. Gold Appraisal & Custody
Establish strong controls covering:
Gold appraisal
Purity testing
Weight verification
Valuation
Documentation
Packet preparation and…