Group Gold Loan business lead

The role will be responsible for driving strategic collaboration and business growth between Muthoot FinCorp Ltd. (MFL) and MML by creating a seamless Gold Loan business ecosystem across both organizations.

The role will act as the single point of accountability for identifying, developing and executing business opportunities, ensuring alignment between leadership teams, accelerating customer acquisition and maximizing Gold Loan business outcomes through effective integration of customers, channels, processes, products and operating capabilities.

The incumbent will work closely with senior leadership teams across MFL and MML to ensure that strategic decisions translate into measurable business performance and sustainable growth.

ORGANIZATIONAL CHART

KEY RESPONSIBILITIES

Strategic Business Growth

• Develop strategies to improve Gross Lending per resource in distribution
• Develop and execute the joint MFL-MML Gold Loan business strategy in alignment with organizational growth objectives.
• Drive business expansion through referral partnerships, customer migration programs, cross-sell opportunities and channel integration initiatives.
• Identify and unlock new revenue streams through collaborative business models across both organizations.
• Build growth plans aimed at increasing portfolio size, market share, customer acquisition, branch productivity and profitability.
• Monitor and drive achievement of agreed business targets and KPIs.

Business Integration & Execution

• Serve as the principal coordination point for all Gold Loan business initiatives between MFL and MML.
• Build a structured operating model for collaboration across sales, operations, product, technology, marketing, risk and compliance functions.
• Drive execution of strategic initiatives by defining ownership, timelines and accountability.
• Ensure seamless implementation of business plans across regions, channels and operating units.
• Resolve inter-company execution challenges and accelerate decision-making.

Leadership Stakeholder Management

• Build and maintain strong relationships with senior business leaders in both organizations.
• Facilitate strategic discussions and ensure consensus on priorities and action plans.
• Lead steering committee reviews and business governance forums.
• Influence key stakeholders across matrix structures without direct reporting authority.
• Represent the joint Gold Loan agenda before Executive Leadership teams.

Business Performance Management

• Develop robust MIS, analytics and business intelligence frameworks.
• Track business performance metrics including:
• Gold Loan disbursement volume
• Portfolio growth
• Lead conversion rates
• Customer acquisition
• Cross-sell contribution
• Referral productivity
• Incremental revenue generation
• Identify performance gaps and implement corrective actions.
• Present periodic performance reviews to the CDO and senior leadership.

New Business Development & Innovation

• Identify opportunities to enhance the partnership and customer value proposition.
• Lead pilots, partnerships and strategic projects aimed at driving business growth.
• Recommend process enhancements to improve customer experience and operational efficiency.
• Benchmark market practices and identify emerging opportunities within the Gold Loan industry.
• Evaluate new distribution channels and business models for scaling the partnership.

Governance, Risk & Compliance

• Ensure business initiatives comply with regulatory requirements and internal governance standards.
• Partner with Risk, Compliance and Audit teams to maintain adherence to policies.
• Monitor operational risks arising from inter-company initiatives and recommend mitigation plans.
• Ensure transparency in reporting and decision-making