Head Gold Loan
15 hours ago
NB "We are recruiting for a scheduled commercial bank"Job Title :Head- Gold Loan Location : Thrissur Years of Experience: 25- 30+The National Head oversees all facets of the Gold Loan business nationally, focusing onProfit & Loss (P&L) managementandstrategic market expansion .1.Strategy and Business GrowthP&L Ownership:Full responsibility for the Gold Loan portfolio's nationalP&L , including revenue targets, cost management, and profitability. Strategic Planning:Design and execute anational strategyfor the Gold Loan vertical to achieve aggressiveAssets Under Management (AUM)and market share growth. Product Management:Oversee the development, design, and pricing of new Gold Loan products and schemes to remain competitive and meet diverse customer needs (e.g., Agri Gold Loans, Business Gold Loans). Market Expansion:Identify new geographies and market segments for expansion. Develop and execute a roadmap forbranch roll-outand optimization of existing branch networks for Gold Loan services.2.Operations and Risk ManagementOperational Excellence:Standardize and streamline Gold Loan operational processes across all branches for efficiency, speed, and customer experience. This includes application processing, gold valuation, storage, and release. Risk and Audit Compliance:Implementrobust risk management frameworksto mitigate operational risks, including fraud, valuation discrepancies, and loss/damage of collateral. Ensure strict adherence toReserve Bank of India (RBI)guidelines and internal bank policies. Collateral Security:Oversee the integrity and security of the gold storage process, including vault management, periodic audits, and insurance arrangements. Asset Quality:Maintain and improve theportfolio qualityby actively monitoring Non-Performing Assets (NPAs) and devising effectivecollection and recovery strategies , including the auction process.3.Sales and MarketingSales Strategy:Develop high-impact national sales and marketing strategies to drive customer acquisition and cross-selling, leveraging the bank's existing customer base. Digital Integration:Champion the adoption ofdigital and technological initiativesto enhance the customer journey (e.g., online application, e-KYC, digital payment options). Partnerships:Build and manage strategic alliances with Business Correspondents (BCs), fintech companies, and other partners to expand reach.4.Team Leadership and ManagementTalent Development:Recruit, train, and mentor a high-performing leadership team for Gold Loan operations and sales at regional and zonal levels. Performance Management:Set clear Key Performance Indicators ( KPIs ) for the entire Gold Loan vertical and monitor performance against targets. Foster a performance-driven culture.Key Skills and CompetenciesDeep Industry Expertise:In-depth knowledge of the Gold Loan business cycle, market dynamics, and competitive landscape. P&L and Business Acumen:Proven track record ofmanaging large-scale P&Land delivering sustained business growth. Regulatory Knowledge:Comprehensive understanding ofRBI regulations , KYC/AML norms, and all compliance requirements related to Gold Loans. Leadership:Exceptional ability to lead, motivate, and manage large, geographically dispersed teams. Risk Management:Strong capabilities in credit appraisal, operational risk assessment, and NPA management specific to gold collateral. Strategic Thinking:Ability to formulate and implement long-term strategic plans while responding effectively to short-term market changes.Age: Not exceeding 60 years (as on the date of application)
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Head Gold Loan
3 hours ago
New Delhi, India GramPro Business Services Pvt. Ltd. Full timeNB "We are recruiting for a scheduled commercial bank"Job Title :Head- Gold Loan Location : Thrissur Years of Experience: 25- 30+The National Head oversees all facets of the Gold Loan business nationally, focusing onProfit & Loss (P&L) managementandstrategic market expansion .1.Strategy and Business GrowthP&L Ownership:Full responsibility for the Gold Loan...
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Gold Loan manager
2 weeks ago
New Delhi, India Salary champion Full timeCompany DescriptionSalary Champion is one of India’s most trusted financial partners, specializing in transparent and swift salary advances and personal loans. As a leading Non-Banking Financial Company (NBFC), we strive to empower individuals by offering financial solutions that help navigate challenges confidently and conveniently. With customer-centric...
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Product Head
2 weeks ago
New Delhi, India Piramal Finance Full timeKey Responsibilities: Product Management •Developing New Products, schemes, incentive structure and modification in existing products in the gold loan segment •Approval, Rollout & Training of new product and schemes to all stakeholders. •Portfolio management and managing product features. •Managing product and process strategy for gold loan– also...
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Gold Loan Officer
4 weeks ago
New Delhi, India GramPro Business Services Pvt. Ltd. Full timeWE ARE HIRING FOR A SCHEDULED COMMERCIAL BANK - ESAF SMALL FINANCE BANKKey responsibilities:- Loan processing and disbursement: - Evaluate loan applications and documentation for accuracy and completeness. - Assess the purity, weight, and market value of gold items to determine loan amounts. - Perform credit appraisals and disburse loans according to policy....
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Gold Loan Officer
2 weeks ago
New Delhi, India GramPro Business Services Pvt. Ltd. Full timeWE ARE HIRING FOR A SCHEDULED COMMERCIAL BANK - ESAF SMALL FINANCE BANKKey responsibilities:Loan processing and disbursement: Evaluate loan applications and documentation for accuracy and completeness. Assess the purity, weight, and market value of gold items to determine loan amounts. Perform credit appraisals and disburse loans according to policy. Ensure...
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Gold Loan Officer
6 days ago
New Delhi, India GramPro Business Services Pvt. Ltd. Full timeWE ARE HIRING FOR A SCHEDULED COMMERCIAL BANK - ESAF SMALL FINANCE BANKKey responsibilities:Loan processing and disbursement: Evaluate loan applications and documentation for accuracy and completeness. Assess the purity, weight, and market value of gold items to determine loan amounts. Perform credit appraisals and disburse loans according to policy. Ensure...
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Gold Loan manager
2 weeks ago
Delhi, India Salary champion Full timeCompany DescriptionSalary Champion is one of India’s most trusted financial partners, specializing in transparent and swift salary advances and personal loans. As a leading Non-Banking Financial Company (NBFC), we strive to empower individuals by offering financial solutions that help navigate challenges confidently and conveniently. With customer-centric...
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Gold Loan manager
2 weeks ago
Delhi, India Salary champion Full timeCompany Description Salary Champion is one of India’s most trusted financial partners, specializing in transparent and swift salary advances and personal loans. As a leading Non-Banking Financial Company (NBFC), we strive to empower individuals by offering financial solutions that help navigate challenges confidently and conveniently. With customer-centric...
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Gold Loan manager
2 weeks ago
Delhi, India Salary champion Full timeCompany DescriptionSalary Champion is one of India’s most trusted financial partners, specializing in transparent and swift salary advances and personal loans. As a leading Non-Banking Financial Company (NBFC), we strive to empower individuals by offering financial solutions that help navigate challenges confidently and conveniently. With customer-centric...
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Gold Loan manager
2 weeks ago
Delhi, India Salary champion Full timeCompany Description Salary Champion is one of India’s most trusted financial partners, specializing in transparent and swift salary advances and personal loans. As a leading Non-Banking Financial Company (NBFC), we strive to empower individuals by offering financial solutions that help navigate challenges confidently and conveniently. With customer-centric...
