Area Head

Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Scale business sustainably

• o AUM Growth YoY / QoQ
• o Disbursement Value (INR) Vs Plan
• o Active Customer Base Growth (%)
• o Market Share (%) in key geographies
• o Ticket Size (Avg Loan Amount)
• o Growth Mix New vs Renewal loans

Profitability PL Management deliver profitable growth with cost discipline

• o Net Interest Margin (%)
• o Yield on Gold Loan Portfolio (%)
• o Cost to Income Ratio
• o Operating Profit
• o ROA / ROE
• o Incremental Profit per branch

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

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

Branch Productivity build and optimize a high performing branch network

• o Number of new branches opened vs plan
• o Break even time for new branches
• o AUM per branch
• o Disbursement per branch / per RM
• o Low performing branch reduction (%)

Sales Effective Customer Acquisition drive frontline productivity and customer reach

• o Disbursement per sales officers / BM
• o Customer Acquisition cost
• o Conversion ratio lead to disbursement
• o Repeat customer ratio
• o Cross sell / Upsell Ratio

Compliance, Audit Regulatory Adherence

• o RBI / Internal Audit Observation
• o Policy Deviation Cases
• o Gold Purity Testing Compliance
• o Documentation Accuracy
• o Zero Tolerance Breach Incident

People Leadership Capability Building

• o Sales branch Staff Attrition
• o Critical Role Vacancy TAT
• o Successor Readiness for key roles
• o Training Coverage
• o Productivity Improvement post training

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