About the role
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 Number of new branches opened vs plan Break even time for new branches AUM per branch Disbursement per branch / per RM Low performing branch reduction (%) Sales Effective & Customer Acquisition – drive frontline productivity and customer reach Disbursement per sales officers / BM Customer Acquisition cost Conversion ratio – lead to disbursement Repeat customer ratio Cross sell / Upsell Ratio Compliance, Audit & Regulatory Adherence RBI / Internal Audit Observation Policy Deviation Cases Gold Purity Testing Compliance Documentation Accuracy Zero Tolerance Breach Incident People Leadership & Capability Building Sales & branch Staff Attrition Critical Role Vacancy TAT Successor Readiness for key roles Training Coverage Productivity Improvement post training