10 - 20 years
15 - 25 Lacs
Posted:3 hours ago|
Platform:
Work from Office
Full Time
The role requires deep expertise in the gold loan industry, regulatory requirements (RBI circulars, Fair Practices Code, auction guidelines, and gold valuation norms), customer behaviour patterns in semi-urban/rural markets, and competitive practices. The Head will focus on building a strong first- and second-line risk structure, ensuring stringent risk controls across sourcing, appraisal, documentation, vaulting, storage infrastructure, renewal, and auction processes while driving portfolio hygiene and delinquency management.
A key responsibility will be to create standardized risk processes including gold appraisal risk checks, maker-checker controls, purity/weight validation protocols, vault risk audits, branch risk assessment, and risk scoring models. The leader will also drive the adoption of technology-based solutions for fraud detection, purity testing, portfolio analytics, and early warning indicators. In addition, the role involves capability-building across credit managers, appraisers, and branch teams through training on risk policies, gold assessment techniques, and regulatory compliance.
This leadership position is critical in building a scalable, secure, and compliant Gold Loan franchise. The incumbent will play a pivotal role in ensuring portfolio quality, strengthening governance, reducing credit losses, and supporting the NBFC’s strategic objectives of asset growth and risk-adjusted profitability.
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