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-Sep25 ABCL has a pan-India presence with a lending book of approx. Rs. 139500 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 regional gold loan strategy into area execution plan while balancing rapid growth with strict risk discipline. This position execution of business initiatives overseeing profit and loss statements ensuring adherence to risk management and regulatory compliance and leading 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:Writethe 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
AUM Growth YoY / QoQ
Disbursement Value (INR) Vs Plan
Active Customer Base Growth (%)
Market Share (%) in key geographies
Ticket Size (Avg Loan Amount)
Growth Mix New vs Renewal loans
Profitability & P&L Management deliver profitable growth with cost discipline
Net Interest Margin (%)
Yield on Gold Loan Portfolio (%)
Cost to Income Ratio
Operating Profit
ROA / ROE
Incremental Profit per branch
Portfolio Quality & Risk Management required to maintain superior asset quality and collateral safety
GNPA / NNPA (%)
SMA (0-30 / 31-90 days) levels
Gold Loan LTV (%) adherence
Auction Loss (%)
Fraud Incidence (No / Value)
Recover Rate (%) post delinquency
Branch Productivity build and optimize a high performing branch network
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 Regional Head - Gold Loan
Branch Manager Gold Loan
In absence of Branch Manager Manager Gold Valuation Gold Loan officer Customer Service executive
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
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.
Organization ContextAditya 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-Sep25 ABCL has a pan-India presence with a lending book of approx...
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-Sep25 ABCL has a pan-India presence with a lending book of approx. Rs. 139500 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 regional gold loan strategy into area execution plan while balancing rapid growth with strict risk discipline. This position execution of business initiatives overseeing profit and loss statements ensuring adherence to risk management and regulatory compliance and leading 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:Writethe 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
AUM Growth YoY / QoQ
Disbursement Value (INR) Vs Plan
Active Customer Base Growth (%)
Market Share (%) in key geographies
Ticket Size (Avg Loan Amount)
Growth Mix New vs Renewal loans
Profitability & P&L Management deliver profitable growth with cost discipline
Net Interest Margin (%)
Yield on Gold Loan Portfolio (%)
Cost to Income Ratio
Operating Profit
ROA / ROE
Incremental Profit per branch
Portfolio Quality & Risk Management required to maintain superior asset quality and collateral safety
GNPA / NNPA (%)
SMA (0-30 / 31-90 days) levels
Gold Loan LTV (%) adherence
Auction Loss (%)
Fraud Incidence (No / Value)
Recover Rate (%) post delinquency
Branch Productivity build and optimize a high performing branch network
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 Regional Head - Gold Loan
Branch Manager Gold Loan
In absence of Branch Manager Manager Gold Valuation Gold Loan officer Customer Service executive
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
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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