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(Only 24h Left) National Head Gold Loan

(Only 24h Left) National Head Gold Loan

GramPro Business Services Pvt. Ltd.India
19 hours ago
Job description

NB "We are recruiting for a scheduled commercial bank"

Job Title : National Head- Gold Loan

Location : Thrissur

Years of Experience : 25- 30+

The National Head oversees all facets of the Gold Loan business nationally, focusing on Profit & Loss (P&L) management and strategic market expansion.

1. Strategy and Business Growth

  • P&L Ownership : Full responsibility for the Gold Loan portfolio's national P&L, including revenue targets, cost management, and profitability.
  • Strategic Planning : Design and execute a national strategy for the Gold Loan vertical to achieve aggressive Assets Under Management (AUM) and market share growth.
  • Product Management : Oversee the development, design, and pricing of new Gold Loan products and schemes to remain competitive and meet diverse customer needs (e.g., Agri Gold Loans, Business Gold Loans).
  • Market Expansion : Identify new geographies and market segments for expansion. Develop and execute a roadmap for branch roll-out and optimization of existing branch networks for Gold Loan services.

2. Operations and Risk Management

  • Operational Excellence : Standardize and streamline Gold Loan operational processes across all branches for efficiency, speed, and customer experience. This includes application processing, gold valuation, storage, and release.
  • Risk and Audit Compliance : Implement robust risk management frameworks to mitigate operational risks, including fraud, valuation discrepancies, and loss / damage of collateral. Ensure strict adherence to Reserve Bank of India (RBI) guidelines and internal bank policies.
  • Collateral Security : Oversee the integrity and security of the gold storage process, including vault management, periodic audits, and insurance arrangements.
  • Asset Quality : Maintain and improve the portfolio quality by actively monitoring Non-Performing Assets (NPAs) and devising effective collection and recovery strategies, including the auction process.

    • 3. Sales and Marketing

  • Sales Strategy : Develop high-impact national sales and marketing strategies to drive customer acquisition and cross-selling, leveraging the bank's existing customer base.
  • Digital Integration : Champion the adoption of digital and technological initiatives to enhance the customer journey (e.g., online application, e-KYC, digital payment options).
  • Partnerships : Build and manage strategic alliances with Business Correspondents (BCs), fintech companies, and other partners to expand reach.

    • 4. Team Leadership and Management

  • Talent Development : Recruit, train, and mentor a high-performing leadership team for Gold Loan operations and sales at regional and zonal levels.
  • Performance Management : Set clear Key Performance Indicators (KPIs) for the entire Gold Loan vertical and monitor performance against targets. Foster a performance-driven culture.

    • Key Skills and Competencies

  • Deep Industry Expertise : In-depth knowledge of the Gold Loan business cycle, market dynamics, and competitive landscape.
  • P&L and Business Acumen : Proven track record of managing large-scale P&L and delivering sustained business growth.
  • Regulatory Knowledge : Comprehensive understanding of RBI regulations, KYC / AML norms, and all compliance requirements related to Gold Loans.
  • Leadership : Exceptional ability to lead, motivate, and manage large, geographically dispersed teams.
  • Risk Management : Strong capabilities in credit appraisal, operational risk assessment, and NPA management specific to gold collateral.
  • Strategic Thinking : Ability to formulate and implement long-term strategic plans while responding effectively to short-term market changes.

    • Age : Not exceeding 60 years (as on the date of application)

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