Zonal Head-Gold Loan

Experience:- 15+ Years
Location:- Gurugram
Role Overview
Set up and scale the Gold Loan business from inception, with end-to-end responsibility for business strategy, operating model, team building. Build a profitable, compliant and scalable lending franchise.
Key Responsibilities
Develop the business plan, investment requirements, launch roadmap and profitability milestones.
Define target markets, select geographies and execute a phased branch rollout.
Build the leadership and field teams across sales, operations and supporting functions.
Design the product offering, pricing, customer acquisition and distribution strategy.
Establish appraisal, gold custody, vault security, insurance and auction processes.
Partner with Risk, Credit, Compliance, Operations and Technology to build policies, systems and controls for launch.
Set up appraiser and vendor networks, partnerships and digital lead channels.
Own AUM, disbursement, revenue and PBT targets; drive branch productivity and break-even.
Ensure regulatory compliance, portfolio quality and a consistent customer experience as the business scales.
Candidate Profile
MBA / CA or equivalent postgraduate qualification.
15+ years in retail lending, including at least 7 years in gold loans.
Proven experience setting up or significantly expanding a gold loan business, with P&L ownership.
Strong track record in branch rollout, team building and operational readiness.
Sound understanding of gold lending regulations, risk controls and branch economics.

Work arrangement
No