Job Description – Lead / AVP – Gold Loan Business

Role Overview

Key Responsibilities

• Business Setup & Expansion: Lead the establishment and scaling of the Gold Loan business, including business model development, market entry strategy, and operational readiness.
• Business Strategy & P&L: Develop and execute business plans, revenue strategies, and growth initiatives while ensuring profitability and portfolio quality.
• Team Building & Leadership: Build, mentor, and lead sales and business development teams, establishing performance targets and driving execution.
• Distribution & Partnerships: Develop branch networks, sourcing channels, and strategic partnerships with banks, NBFCs, and other financial institutions.
• Product & Process Development: Work closely with Credit, Risk, Operations, and Compliance teams to establish lending processes, gold valuation standards, collateral management, and product frameworks.
• Risk & Regulatory Understanding: Ensure business practices align with applicable RBI guidelines, KYC/AML requirements, and internal risk policies.
• Business Performance: Monitor disbursements, AUM growth, portfolio performance, collections, productivity, and profitability.

Desired Candidate Profile

• 10–15 years of experience in Gold Loan, secured lending, or NBFC businesses, with substantial direct Gold Loan exposure.
• Proven experience in setting up, launching, or significantly scaling a Gold Loan business or vertical.
• Demonstrated experience in building and managing teams, branches, or regional business operations.
• Strong understanding of end-to-end Gold Loan operations, distribution, credit, risk, and regulatory requirements.
• Experience in managing business targets, P&L, portfolio growth, and profitability.
• Strong leadership, entrepreneurial mindset, commercial acumen, and stakeholder management skills.
• Candidates with experience in new business launches, geographic expansion, or establishing Gold Loan operations from scratch will be preferred.

Preferred Candidate Background