Role & responsibilities * Achieve monthly target and annual gold loan, business loan disbursement and portfolio growth targets * Lead and manage the gold loan, business loan operations across assigned branches to ensure smooth functioning * Implement effective strategies to grow the gold loan, business loan business, enhance productivity and improve profitability * Conduct regular branch visits, staff guidance and performance monitoring to ensure operational excellence * Ensure strict compliance with company policies, procedures and regulatory guidelines * Monitor market trends to identify new opportunities and improve market share * Train, motivate and mentor branch - Level staff to build a high performing gold loan, business loan team * Proactively handle customer issues and ensure excellent service delivery * Provide periodic reports and insights to senior management on business performance and risk areas Preferred candidate profile * Minimum 7 years of hands-on experience in the gold loan, business loan Industry, with at least 3 years in a managerial or leadership role * Proven track record of achieving business targets, driving portfolio growth, and managing multi branch operations * Strong knowledge of gold valuation techniques, operational procedures and regulatory compliance * Excellent leadership, people management and team development skills * Analytical mindset with the ability to identify business opportunities and mitigate risks * Strong interpersonal and customer service orientation * Ability to work independently and under pressure in a target driven environment * Proficiency in MS Office and familiarity with financial services systems will be an added advantage * A degree or equivalent professional qualification in Business Management, Finance or Banking is preferred