Role Purpose
To drive regional growth of the Gold Loan business by leading multi-branch sales operations, delivering portfolio expansion, ensuring portfolio quality, and building a high-performance sales ecosystem across the region.
________________________________________
Key Responsibilities
1. Business Growth & Revenue Delivery
• Own and deliver regional AUM growth, disbursement targets, and revenue objectives across assigned geography
• Drive month-on-month and year-on-year growth in Gold Loan portfolio through structured sales planning
• Lead strategic initiatives to increase market share, customer acquisition, and branch productivity
• Identify high-potential markets and lead branch expansion & ramp-up strategy
________________________________________
2. Sales Strategy & Execution
• Design and execute regional sales strategy, including campaigns, local activations, and festival-led sourcing programs
• Implement pricing, sourcing, and channel strategies to maximize yield and volume
• Drive cross-sell of allied products (Insurance, SME loans, etc.) to enhance revenue per customer
________________________________________
3. Team Leadership & Capability Building
• Lead a team of Cluster Managers / Area Managers / Branch Managers across the region
• Drive performance management, productivity enhancement, and incentive structures
• Conduct regular reviews, training, and coaching to enhance selling capability and branch efficiency
• Build a high-performance culture with strong accountability and ownership
________________________________________
4. Branch & Channel Management
• Oversee functioning of multiple branches/territories, ensuring alignment with business objectives
• Drive branch-level execution excellence, covering sourcing, conversion, and customer experience
• Support new branch launches and ensure early profitability and scale-up
________________________________________
5. Portfolio Quality & Risk Management
• Monitor portfolio health parameters (LTV, NPA, delinquency, overdue trends)
• Partner with collections and risk teams to ensure strong recovery mechanisms and fraud prevention
• Ensure adherence to gold appraisal standards, KYC, and audit compliance norms
________________________________________
6. MIS, Analytics & Performance Tracking
• Drive decision-making through data analytics, MIS dashboards, and forecasting models
• Track key KPIs: AUM growth, disbursement productivity, ticket size, yield, cost ratio
• Use insights to refine regional strategy and performance improvement plans
________________________________________
7. Stakeholder & Cross-functional Collaboration
• Collaborate with Product, Credit, Risk, Ops, Marketing, and Collections teams
• Provide market feedback for product design, pricing, and process improvements
• Align with central teams on technology adoption, digital onboarding, and process automation
________________________________________
Educational Qualification
• Graduate (MBA / PGDM preferred – Finance / Marketing)
• Certifications in Gold Appraisal / Risk / Banking preferred
Source: Tata Capital careers — Read the original posting and apply
This role is listed by the employer on its own careers site. Kaam Ki Khoj does not process applications for it.
Tata Capital is an employer in the Banking/Financial Services/Broking sector with operations in India. This is a directory listing maintained by Kaam Ki Khoj so that candidates can find the organisation; it is not an official company page and Kaam Ki... Read More
Upload your CV once — we read it, build your profile and put you in front of every employer hiring on Kaam Ki Khoj. No forms, no fees.
