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Financial Services
Area Head HyderabadFinancial Services • Hyderabad, Telangana, India
Area Head Hyderabad

Area Head Hyderabad

Financial Services • Hyderabad, Telangana, India
9 days ago
Job description

Key Result Areas

Supporting Actions

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

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

Portfolio Quality & Risk Management required to maintain superior asset quality and collateral safety

  1. GNPA / NNPA (%)
  2. o SMA (0-30 / 31-90 days) levels
  3. o Gold Loan LTV (%) adherence
  4. o Auction Loss (%)
  5. o Fraud Incidence (No / Value)
  6. o Recover Rate (%) post delinquency

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 (%)

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

Compliance Audit & Regulatory Adherence

  • o RBI / Internal Audit Observation
  • o Policy Deviation Cases
  • o Gold Purity Testing Compliance
  • o Documentation Accuracy
  • o Zero Tolerance Breach Incident

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

Employment Type : Full Time
Experience: years
Vacancy: 1
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Area Head Hyderabad • Hyderabad, Telangana, India

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