Scale business sustainably
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o AUM Growth YoY / QoQ
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o Disbursement Value (INR) Vs Plan
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o Active Customer Base Growth (%)
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o Market Share (%) in key geographies
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o Ticket Size (Avg Loan Amount)
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o Growth Mix – New vs Renewal loans
Profitability & P&L Management – deliver profitable growth with cost discipline
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o Net Interest Margin (%)
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o Yield on Gold Loan Portfolio (%)
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o Cost to Income Ratio
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o Operating Profit
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o ROA / ROE
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o Incremental Profit per branch
Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety
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GNPA / NNPA (%)
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o SMA (0-30 / 31-90 days) levels
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o Gold Loan LTV (%) adherence
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o Auction Loss (%)
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o Fraud Incidence (No / Value)
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o Recover Rate (%) post delinquency
Branch Productivity – build and optimize a high performing branch network
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o Number of new branches opened vs plan
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o Break even time for new branches
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o AUM per branch
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o Disbursement per branch / per RM
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o Low performing branch reduction (%)
Sales Effective & Customer Acquisition – drive frontline productivity and customer reach
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o Disbursement per sales officers / BM
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o Customer Acquisition cost
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o Conversion ratio – lead to disbursement
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o Repeat customer ratio
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o Cross sell / Upsell Ratio
Compliance, Audit & Regulatory Adherence
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o RBI / Internal Audit Observation
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o Policy Deviation Cases
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o Gold Purity Testing Compliance
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o Documentation Accuracy
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o Zero Tolerance Breach Incident
People Leadership & Capability Building
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o Sales & branch Staff Attrition
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o Critical Role Vacancy TAT
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o Successor Readiness for key roles
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o Training Coverage
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o Productivity Improvement post training
