Zonal Head - Gold Loans

Role Overview: The Zonal Manager will be responsible for end-to-end management of the assigned zone, driving business growth while ensuring operational excellence, compliance, risk management, and people development. The role oversees Regional Managers Business Development (RM-BD) and Regional Managers Administration (RM-Admin), ensuring alignment with organizational goals and seamless coordination between business and administrative functions. Key Responsibilities: 1. Business Growth & Revenue Generation: - Drive gold loan disbursements, third-party product sales, and overall revenue growth. - Monitor branch-wise targets for gold loans, NCDs, sub-debts, and insurance products. - Implement sales campaigns, marketing initiatives, and customer engagement programs. - Ensure optimal resource mobilization and conduct annual visits to all branches. 2. Branch Expansion & Business Development: - Identify and evaluate potential locations for new branches based on market analysis. - Coordinate with Real Estate and Compliance teams for branch setup. - Ensure feasibility, staffing, profitability, and performance monitoring of new branches. 3. Team Leadership & Performance Management: - Directly manage RM-BD and RM-Admin, ensuring achievement of KPIs. - Build a performance-driven culture through mentoring, guidance, and regular reviews. - Conduct periodic evaluations of regional and branch teams. 4. Compliance, Risk Management & Irregularities: - Ensure adherence to regulatory guidelines, audits, and company policies. - Address operational irregularities, fraud cases, NPAs, overdue accounts, and risks. - Conduct surprise audits, oversee documentation, and ensure security protocols. - Follow up on legal and police cases for timely resolution. 5. Operations & Administration: - Ensure SOP adherence across branches for operations and customer service. - Oversee gold verification, fund management, auctions, and security processes. - Ensure timely renewal of statutory licenses and bank account openings. - Supervise infrastructure, lease management, and audit responses. 6. Employee Development & Training: - Ensure regular training on gold appraisal, CRM, and compliance. - Identify training needs and drive participation in development programs. 7. Recruitment & Manpower Planning: - Ensure adequate staffing and address manpower gaps. - Coordinate with HR on recruitment, transfers, deputations, and retention. 8. Monitoring & Reporting: - Review branch visit reports from RM-BD and RM-Admin, including packet counting. - Track business performance, operational efficiency, and employee metrics. This is a high-impact leadership role for professionals with strong exposure to gold loans, branch operations, compliance, and multi-location team management.