Area Head - Rajkot

• Key Result Areas:
  
  

Scale business sustainably

• o AUM Growth YoY / QoQ
• o Disbursement Value (INR) Vs Plan
• o Active Customer Base Growth (%)
• o Market Share (%) in key geographies
• o Ticket Size (Avg Loan Amount)
• o Growth Mix – New vs Renewal loans
  
  

Profitability & P&L Management – deliver profitable growth with cost discipline

• o Net Interest Margin (%)
• o Yield on Gold Loan Portfolio (%)
• o Cost to Income Ratio
• o Operating Profit
• o ROA / ROE
• o Incremental Profit per branch
  
  

Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety

• GNPA / NNPA (%)
• o SMA (0-30 / 31-90 days) levels
• o Gold Loan LTV (%) adherence
• o Auction Loss (%)
• o Fraud Incidence (No / Value)
• o Recover Rate (%) post delinquency
  
  

Branch Productivity – build and optimize a high performing branch network

• o Number of new branches opened vs plan
• o Break even time for new branches
• o AUM per branch
• o Disbursement per branch / per RM
• o Low performing branch reduction (%)
  
  

Sales Effective & Customer Acquisition – drive frontline productivity and customer reach

• o Disbursement per sales officers / BM
• o Customer Acquisition cost
• o Conversion ratio – lead to disbursement
• o Repeat customer ratio
• o Cross sell / Upsell Ratio
  
  

Compliance, Audit & Regulatory Adherence

• o RBI / Internal Audit Observation
• o Policy Deviation Cases
• o Gold Purity Testing Compliance
• o Documentation Accuracy
• o Zero Tolerance Breach Incident
  
  

People Leadership & Capability Building

• o Sales & branch Staff Attrition
• o Critical Role Vacancy TAT
• o Successor Readiness for key roles
• o Training Coverage
• o Productivity Improvement post training