Regional Head - Mehsana

Role overview

This position leads regional business performance for the Mehsana market, with accountability for building sustainable growth, protecting portfolio quality, and strengthening branch productivity. The role also requires close attention to profitability, compliance, and team capability so the region can scale in a controlled and profitable way.

Key result areas

The role is measured across growth, profitability, risk, productivity, customer acquisition, regulatory adherence, and people development.

Business growth and scale

• Track year-on-year and quarter-on-quarter AUM expansion.
• Monitor disbursement value against plan in INR.
• Improve active customer base growth percentage.
• Strengthen market share in important geographies.
• Increase average ticket size or loan amount.
• Balance growth between new loans and renewal loans.

Profitability and P&L management

• Support profitable expansion while maintaining expense discipline.
• Watch net interest margin percentage.
• Improve yield on the gold loan portfolio.
• Keep the cost-to-income ratio under control.
• Drive operating profit and return ratios such as ROA and ROE.
• Enhance incremental profit generated per branch.

Portfolio quality and risk control

• Maintain strong asset quality through GNPA and NNPA management.
• Control SMA buckets across 0-30 and 31-90 day stages.
• Ensure adherence to gold loan LTV norms.
• Minimise auction losses.
• Prevent fraud incidents in both number and value.
• Improve recovery rates after delinquency.

Branch productivity

• Expand the network by opening new branches as per plan.
• Reduce break-even time for newly launched branches.
• Increase AUM generated per branch.
• Lift disbursement productivity per branch and per relationship manager.
• Bring down the share of underperforming branches.

Sales effectiveness and customer acquisition

• Improve disbursement productivity of sales officers and branch managers.
• Reduce customer acquisition cost.
• Strengthen lead-to-disbursement conversion.
• Build repeat customer engagement and retention.
• Increase cross-sell and upsell performance.

Compliance, audit, and regulatory adherence

• Address RBI and internal audit observations promptly.
• Limit policy deviation cases.
• Ensure proper gold purity testing compliance.
• Maintain high documentation accuracy.
• Operate with zero tolerance for breach incidents.

People leadership and capability building

• Reduce attrition among sales and branch teams.
• Shorten turnaround time for filling critical vacancies.
• Build successor readiness for key positions.
• Expand training coverage across the team.
• Improve productivity after training interventions.

Additional notes

The source specifies that key result areas and supporting actions should each stay within a maximum length of 1325 characters.

No compensation, openings, eligibility, or education details were provided in the source.