Job Purpose: To lead, manage, and grow the Gold Loan business within a defined set of states or regions by driving disbursements, maintaining high-quality portfolios, improving productivity, managing large teams, ensuring cost-effectiveness, and sustaining compliance. Functional Competencies: - Strategic sales management across diverse geographies - Ability to identify, assess, and close gaps in branch productivity - Strong understanding of Gold Loan products, competitor analysis, and customer behaviour - Team planning, manpower forecasting, and performance tracking - Familiarity with P\&L statements, budgeting, and branch-level financial metrics - Computer literacy: Excel, MIS dashboards, branch banking systems - Vendor and cost negotiations related to marketing, infra, and collections - Staff capability development through mentoring, coaching, and structured training Behavioural Competencies: - Integrity, transparency, and adherence to banking ethics - Responsible entrepreneurship-ownership of circle performance - Leadership through influence and direction, not just authority - Detail orientation with clear understanding of operational compliance - Strong interpersonal skills - ability to engage, align, and energize large field teams - Talent nurturing and career growth facilitation of team members - Industry awareness - market intelligence and proactive strategy formulation - Resilience and drive - ability to work under pressure and deliver consistent results Job Responsibilities: Financial Responsibilities: - Drive achievement of monthly and annual disbursement targets across all branches within the circle - Ensure profitability of the region by optimizing loan yield, minimizing operational costs, and maximizing renewal business - Monitor collection performance, control delinquency, and maintain high asset quality - Evaluate product performance by source/channel, customer segment, and geography - Track region-wise budgets vs. actuals for marketing expenses, manpower deployment, and logistic - Drive cross-sell and up-sell of financial products linked to gold loans (insurance, savings accounts, etc.) - Ensure team alignment with ROI-focused business development plans Non-financial Responsibilities: - Lead a team of Regional Business Managers and Business Managers to ensure operational smoothness and high morale - Conduct regular branch visits for performance audits, customer interactions, and process improvement - Design and execute performance improvement plans based on branch-level diagnostics - Collaborate with HR for hiring, training, onboarding, and retention of gold loan sales staff - Enable continuous learning through product refreshers, compliance sessions, and sales skill programs - Build coordination between verticals: Operations, Credit, Risk, Marketing, and Collections - Represent the circle in zonal and HO meetings; provide inputs on policy, competition, and local dynamics - Lead marketing and promotional events across key micro-markets to drive visibility and footfall Compliance and Risk Responsibilities: - Ensure 100% compliance with RBI guidelines, internal audit norms, and organizational SOPs - Educate team members on best practices in customer onboarding, documentation, and valuation - Review cases flagged under risk - non-starters, early delinquents, and policy deviations - Ensure data confidentiality across gold valuation, customer identity, and internal documentation - Work with Risk & Compliance teams to mitigate field-level frauds, discrepancies, and reputational risks - Drive culture of responsible lending, fair customer practices, and zero tolerance for malpractice

Delhi NCR

Mumbai

Circle Head - Gold Loan 

Job Description for Circle Head - Gold Loan  in enploy an executive search in  Delhi NCR Mumbai for (8-12) years of experience. Apply Now!