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Area Head Gold Loans- DelhiFinancial Services • Faridabad, Haryana, India
Area Head Gold Loans- Delhi

Area Head Gold Loans- Delhi

Financial Services • Faridabad, Haryana, India
23 days ago
Job description

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Scale business sustainably

  1. AUM Growth YoY / QoQ
  2. Disbursement Value (INR) Vs Plan
  3. Active Customer Base Growth (%)
  4. Market Share (%) in key geographies
  5. Ticket Size (Avg Loan Amount)
  6. Growth Mix New vs Renewal loans

Profitability & P&L Management deliver profitable growth with cost discipline

  1. Net Interest Margin (%)
  2. Yield on Gold Loan Portfolio (%)
  3. Cost to Income Ratio
  4. Operating Profit
  5. ROA / ROE
  6. Incremental Profit per branch

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

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

Branch Productivity build and optimize a high performing branch network

  1. Number of new branches opened vs plan
  2. Break even time for new branches
  3. AUM per branch
  4. Disbursement per branch / per RM
  5. Low performing branch reduction (%)

Sales Effective & Customer Acquisition drive frontline productivity and customer reach

  1. Disbursement per sales officers / BM
  2. Customer Acquisition cost
  3. Conversion ratio lead to disbursement
  4. Repeat customer ratio
  5. Cross sell / Upsell Ratio

Compliance Audit & Regulatory Adherence

  1. RBI / Internal Audit Observation
  2. Policy Deviation Cases
  3. Gold Purity Testing Compliance
  4. Documentation Accuracy
  5. Zero Tolerance Breach Incident

People Leadership & Capability Building

  1. Sales & branch Staff Attrition
  2. Critical Role Vacancy TAT
  3. Successor Readiness for key roles
  4. Training Coverage
  5. Productivity Improvement post training

Required Experience:

Manager


Employment Type : Full Time
Experience: years
Vacancy: 1
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Area Head Gold Loans- Delhi • Faridabad, Haryana, India

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