| Basic Details:Fill the required information about business unit location position reports to position and date of updation of JD |
Business | Financial Services |
Unit | Aditya Birla Capital Limited |
Location | Across branches in India |
| 1) Job Purpose:Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters) |
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 | 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 | The position holder will be managing a team multiple branch heads and oversee distributed branch teams across the area |
Structuring new Transactions | The role holder will define the business plans for the area manpower structure and productivity benchmarks aligned to national strategy. |
Compliance of regulatory guidelines | 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) |
Organization Context 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-Sep25 ABCL has a pan-India presence with a lending book of approx. Rs. 139500 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:
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| 4) Key Result Areas:Write the key results expected from the job and the supporting actions for each of these key result areas (For most jobs typically there could be 4- 7 key result areas)-Maximum 10 KRAs can be updated | |
Key Result Areas (Max 1325 Characters) | Supporting Actions (Max 1325 Characters) |
Scale business sustainably |
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Profitability & P&L Management deliver profitable growth with cost discipline |
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Portfolio Quality & Risk Management required to maintain superior asset quality and collateral safety |
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Branch Productivity build and optimize a high performing branch network |
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Sales Effective & Customer Acquisition drive frontline productivity and customer reach |
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Compliance Audit & Regulatory Adherence |
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People Leadership & Capability Building |
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| 5) Job Purpose of Direct Reports:Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) |
Following roles are likely to be reported to Regional Head - Gold Loan
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| 6) Relationships:Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals departments organizations inside and outside of the organization that job is required to interact with to deliver the job objectives | ||
| Relationship Type (Max 80 Characters) | Frequency | Nature (Max 1325 Characters) |
Internal | ||
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. |
Area Head Gold Loan • Bengaluru, Karnataka, India
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