Role Overview:

The Zonal Manager will be responsible for end-to-end management of the assigned zone, driving business growth while ensuring operational excellence, compliance, risk management, and people development. The role oversees Regional Managers Business Development (RM-BD) and Regional Managers Administration (RM-Admin), ensuring alignment with organizational goals and seamless coordination between business and administrative functions.

Key Responsibilities:

1. Business Growth & Revenue Generation:

- Drive gold loan disbursements, third-party product sales, and overall revenue growth.

- Monitor branch-wise targets for gold loans, NCDs, sub-debts, and insurance products.

- Implement sales campaigns, marketing initiatives, and customer engagement programs.

- Ensure optimal resource mobilization and conduct annual visits to all branches.

2. Branch Expansion & Business Development:

- Identify and evaluate potential locations for new branches based on market analysis.

- Coordinate with Real Estate and Compliance teams for branch setup.

- Ensure feasibility, staffing, profitability, and performance monitoring of new branches.

3. Team Leadership & Performance Management:

- Directly manage RM-BD and RM-Admin, ensuring achievement of KPIs.

- Build a performance-driven culture through mentoring, guidance, and regular reviews.

- Conduct periodic evaluations of regional and branch teams.

4. Compliance, Risk Management & Irregularities:

- Ensure adherence to regulatory guidelines, audits, and company policies.

- Address operational irregularities, fraud cases, NPAs, overdue accounts, and risks.

- Conduct surprise audits, oversee documentation, and ensure security protocols.

- Follow up on legal and police cases for timely resolution.

5. Operations & Administration:

- Ensure SOP adherence across branches for operations and customer service.

- Oversee gold verification, fund management, auctions, and security processes.

- Ensure timely renewal of statutory licenses and bank account openings.

- Supervise infrastructure, lease management, and audit responses.

6. Employee Development & Training:

- Ensure regular training on gold appraisal, CRM, and compliance.

- Identify training needs and drive participation in development programs.

7. Recruitment & Manpower Planning:

- Ensure adequate staffing and address manpower gaps.

- Coordinate with HR on recruitment, transfers, deputations, and retention.

8. Monitoring & Reporting:

- Review branch visit reports from RM-BD and RM-Admin, including packet counting.

- Track business performance, operational efficiency, and employee metrics.

This is a high-impact leadership role for professionals with strong exposure to gold loans, branch operations, compliance, and multi-location team management.