Job Description:Job Purpose:Lead strategic initiatives and performance governance for the Gold Loan business, driving growth, process optimization, channel expansion, and financial performance. Act as a bridge between business, product, risk, operations, and finance teams to enable scalable and profitable growth.1. Business Strategy & GrowthDrive business planning, growth strategy, and market expansion for the Gold Loan vertical.Identify new channel opportunities (DSA, partnerships, branches, digital).Track disbursement trends, yields, and portfolio performance to recommend strategic interventions.Support pricing, customer segmentation, and product positioning decisions.2. Performance & MIS GovernanceDevelop and manage business MIS dashboards covering disbursement, LTV, yields, TAT, NPAs, and profitability.Monitor daily/weekly/monthly KPIs and highlight gaps with actionable insights.Drive data-backed decision-making for leadership reviews.3. Channel & Distribution StrategyOptimize productivity of branches, DSAs, and partner channels.Define incentive structures and performance benchmarks.Support onboarding and governance of new distribution partners.4. Financial & P&L OversightTrack revenue, cost metrics, and portfolio profitability.Support budgeting, forecasting, and variance analysis.Ensure alignment between growth strategy and risk-adjusted returns.5. Cross-Functional CoordinationCollaborate with Risk on underwriting norms and portfolio quality.Work with Operations to improve TAT and customer experience.Coordinate with Product for feature enhancements and process digitization.6. Process Improvement & ControlsIdentify operational bottlenecks and implement process enhancements.Strengthen governance frameworks and internal controls.Drive automation initiatives for reporting and workflow efficiency.
