Assistant General Manager

5 days ago

Bhubaneshwar, Odisha, India Khimji K D Sons Full time ₹ 20,00,000 - ₹ 25,00,000 per year

Business Unit: Khimji Jewellers

Reporting to: Chief Sales Officer

Role Purpose

Drive the strategy, design, regulatory compliance, and P&L ownership of all customer-centric saving & advance purchase plans (e.g., Gold Diamond Monthly Instalment Schemes, Festive Pre-book) that strengthen loyalty and assured footfall for our luxury jewellery portfolio across India.

Key Responsibilities Area - Deliverables

Product Strategy & Innovation - Map competitive landscape (organised & unorganised jewellers, fintech gold wallets). Conceptualize and drive new monthly schemes aligned to BIS Hallmark, RBI gold metal loan norms, and Company positioning (bridal, high-carat couture). Build tiered benefit structures (bonus weight, making-charge waiver, VIP previews).

Regulatory & Compliance -Ensure every scheme adheres to Companies (Acceptance of Deposits) Rules 2014, BIS (Hallmarking) Amendment 2024, and emerging RBI guidelines on retail gold savings. Liaise with legal for scheme prospectus, T&C, KYC/AML checks, and periodic filings with ROC.

P&L & Risk Management- Own annual target of X Cr corpus; monitor redemption patterns, cost of capital, hedging efficacy. Work with Treasury on gold price risk, derivatives, and inventory alignment.

Sales Enablement & Training- Create store-level playbooks and digital SOPs; conduct monthly webinars for 700+ Retail Sales Team. Design incentive slabs / SPIFFs linked to enrolment and on-time installment collection.

Omni-channel Customer Journey- Oversee UX of saving-scheme module on app & website (UPI autopay, live NAV of contributed grams). Integrate CRM triggersreminders, milestone badges, WhatsApp statements.

Marketing & Partnerships- Collaborate with Brand for 360 campaigns (print, HNI trunk shows, wedding fairs). Forge alliances with leading banks/fintechs for co-branded EMI cards, auto-debit.

Team Leadership- Lead a functional team of 10 DPP Excutive team and Drive a culture of luxury service, agility, and data-driven decisions.

Key Performance Indicators (KPIs)

  • Corpus Growth: value & YoY growth of active scheme corpus
  • Conversion Rate: % of savers converting to jewellery purchase within x days of maturity
  • Customer Retention (10mo): Repeat enrolment into next cycle
  • Scheme Gross Margin: after hedging & promotional outlay
  • Regulatory Scorecard: Zero noncompliance observations
  • Digital Adoption: % instalments collected via autodebit / app

Qualifications & Experience

Must Have

10+ yrs total experience; 4+ yrs heading saving schemes / consumer financeproducts

Preferred

Experience in luxury retail or premium banking segment.

Exposure to commodities hedging, bullion markets.

Competencies & Skills

  • Commercial Acumen & Numeracy - optimise scheme margins, hedge costs.
  • Regulatory Mindset - anticipates compliance changes, zerotolerance for lapses.
  • CustomerCentric Innovation - crafts elite benefits suited to HNI & millennial patrons.
  • Stakeholder Influence - aligns crossfunctional leaders, external auditors, bankers.
  • Digital Fluency - champions seamless mobile journeys, data analytics.
  • People Leadership - inspires, mentors, builds succession pipeline.

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