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ABCL
Aditya Birla Capital Limited

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr
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Job Description

Aditya Birla Capital Limited

Area Head - Gold Loans - Delhi

Location: JMD Regent, Gurgaon, Haryana
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Job Description

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Scale business sustainably

  1. AUM Growth YoY / QoQ
  2. Disbursement Value (INR) Vs Plan
  3. Active Customer Base Growth (%)
  4. Market Share (%) in key geographies 
  5. Ticket Size (Avg Loan Amount)
  6. Growth Mix – New vs Renewal loans

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

  1. Net Interest Margin (%)
  2. Yield on Gold Loan Portfolio (%)
  3. Cost to Income Ratio
  4. Operating Profit 
  5. ROA / ROE 
  6. Incremental Profit per branch

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

  1. GNPA / NNPA (%)
  2. SMA (0-30 / 31-90 days) levels
  3. Gold Loan LTV (%) adherence 
  4. Auction Loss (%)
  5. Fraud Incidence (No / Value)
  6. Recover Rate (%) post delinquency

Branch Productivity – build and optimize a high performing branch network 

  1. Number of new branches opened vs plan
  2. Break even time for new branches 
  3. AUM per branch 
  4. Disbursement per branch / per RM
  5. Low performing branch reduction (%)

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

  1. Disbursement per sales officers / BM
  2. Customer Acquisition cost 
  3. Conversion ratio – lead to disbursement 
  4. Repeat customer ratio 
  5. Cross sell / Upsell Ratio

Compliance, Audit & Regulatory Adherence 

  1. RBI / Internal Audit Observation 
  2. Policy Deviation Cases 
  3. Gold Purity Testing Compliance
  4. Documentation Accuracy 
  5. Zero Tolerance Breach Incident 

People Leadership & Capability Building 

  1. Sales & branch Staff Attrition
  2. Critical Role Vacancy TAT
  3. Successor Readiness for key roles 
  4. Training Coverage 
  5. Productivity Improvement post training 

Minimum Experience Level

8 - 12 years

Job Qualifications

Graduate

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