Head Gold Loan
GramPro Business Services Pvt. Ltd.Thrissur, Kerala, India5 days ago
Job descriptionOperational 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. 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. 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. 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.
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
3. Sales and Marketing
4. Team Leadership and Management
Key Skills and Competencies
Age : Not exceeding 60 years (as on the date of application)
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Loan • Thrissur, Kerala, India
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