Zonal Manager - Gold Loan

Role & responsibilities

The Zonal Head Gold Loan will be responsible for driving business growth, profitability, and operational excellence across the assigned zone. The role entails managing a team of Regional Managers, Area Managers and branch networks, ensuring portfolio quality and delivering superior customer experiences while maintaining compliance with regulatory and risk frameworks.

Roles and Responsibilities:

• Drive gold loan disbursement targets and portfolio growth for the zone
• Develop and execute strategic business plans aligned with organizational goals
• Drive acquisition through multiple channels.
• Monitor Region & branch performance and ensure target achievement
• Identify new market opportunities and expansion strategies
• Optimize yield, margins, and overall revenue performance
• Lead and manage Regional Managers, Area Managers, Branch Managers and frontline teams
• Provide strategic leadership and direction to Regional Managers within the Zone, setting clear objectives and expectations to drive performance.
• Build a high-performance culture with strong ownership and accountability
• Conduct regular reviews, coaching, and mentoring sessions
• Drive recruitment, training and other employee initiatives
• Manage attrition and employee engagement within the zone
• Ensure high asset quality and minimize delinquency.
• Implement strong credit & risk controls across branches
• Monitor auction processes and recovery efficiency
• Ensure adherence to internal audit, compliance and regulatory guidelines
• Drive fraud prevention and vigilance across operations
• Ensure seamless branch operations and customer service delivery
• Manage Zonal Budgets and expenses effectively, optimizing resource allocation to achieve financial targets and maximize profitability.
• Ensure consistent delivery of high-quality customer service across the regions, addressing escalations promptly and effectively with in the defined TAT.
• Participate in audits and implement corrective actions

Preferred candidate profile

• Graduate / Post Graduate with 15+ years of experience in NBFC/Banking with Gold Loan experience.
• Should have experience in managing a region / zone.