Circle Head – Gold Loans is responsible for driving strategy execution, growth, profitability, portfolio quality and operational governance across the assigned zone. The role ensures achievement of AUM, disbursement, P&L, branch expansion and compliance targets through leadership of regional 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
(Max 254 Characters)

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
(Max 254 Characters)

The position holder will be managing large team – multiple regional heads and oversee large distributed branch teams across the circle

Structuring new Transactions
(Max 254 Characters)

The role holder will define the business plans for the circle, expansion roadmap, manpower structure and productivity benchmarks aligned to national strategy.

Compliance of regulatory guidelines
(Max 254 Characters)

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-Sep’25, ABCL has a pan-India presence with a lending book of approx. Rs. 139,500 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 national gold loan strategy into circle execution plan while balancing rapid growth with strict risk discipline. This position entails the planning and execution of business expansion initiatives, overseeing profit and loss statements, ensuring adherence to risk management and regulatory compliance, and leading cross-functional teams to meet established targets.

Key Challenges:

Driving rapid AUM growth while maintaining strict LTV norms, low NPAs and strong collateral cover amid gold price volatility.
Ensuring zero deviation compliance with RBO guidelines across a large, distributed branch network without slowing business momentum.
Preventing fraud, jewelry substitution, internal collusion and security breaches while scaling operations
Improving performance of underproductive branches and optimizing fixed costs in a high volume, low ticker business.
Protecting branch reputation by delivering transparent, fast and respectful customer experiences for a highly emotional asset.

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

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

GNPA / NNPA (%)
o SMA (0-30 / 31-90 days) levels
o Gold Loan LTV (%) adherence
o Auction Loss (%)
o Fraud Incidence (No / Value)
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

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 Circle Head - Gold Loan

Regional Head – Gold Loan
In absence of middle managerial layers – Area Head, Branch Head

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

Zonal Heads

Daily

Discussions in driving sales, acquisition, recruitment, productivity and governance

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.

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Job Description:

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

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)

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

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)

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)

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