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)

• 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.

• 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

• 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

• 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

• 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 (%)

• 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

• o RBI / Internal Audit Observation
• o Policy Deviation Cases
• o Gold Purity Testing Compliance
• o Documentation Accuracy
• o Zero Tolerance Breach Incident

• o Sales & branch Staff Attrition
• o Critical Role Vacancy TAT
• o Successor Readiness for key roles
• o Training Coverage
• o Productivity Improvement post training

• Area Head – Gold Loan
• In absence of middle managerial layers –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)