Circle Head - Gold Loans - Delhi

Scale business sustainably

1. AUM Growth YoY / QoQ
2. Disbursement Value (INR) Vs Plan
3. Active Customer Base Growth (%)
4. Market Share (%) in key geographies 
5. Ticket Size (Avg Loan Amount)
6. Growth Mix – New vs Renewal loans

Profitability & P&L Management – deliver profitable growth with cost discipline 

1. Net Interest Margin (%)
2. Yield on Gold Loan Portfolio (%)
3. Cost to Income Ratio
4. Operating Profit 
5. ROA / ROE 
6. Incremental Profit per branch

Portfolio Quality & Risk Management – required to maintain superior asset quality and collateral safety

1. GNPA / NNPA (%)
2. SMA (0-30 / 31-90 days) levels
3. Gold Loan LTV (%) adherence 
4. Auction Loss (%)
5. Fraud Incidence (No / Value)
6. Recover Rate (%) post delinquency

Branch Productivity – build and optimize a high performing branch network 

1. Number of new branches opened vs plan
2. Break even time for new branches 
3. AUM per branch 
4. Disbursement per branch / per RM
5. Low performing branch reduction (%)

Sales Effective & Customer Acquisition – drive frontline productivity and customer reach 

1. Disbursement per sales officers / BM
2. Customer Acquisition cost 
3. Conversion ratio – lead to disbursement 
4. Repeat customer ratio 
5. Cross sell / Upsell Ratio

Compliance, Audit & Regulatory Adherence 

1. RBI / Internal Audit Observation 
2. Policy Deviation Cases 
3. Gold Purity Testing Compliance
4. Documentation Accuracy 
5. Zero Tolerance Breach Incident 

People Leadership & Capability Building 

1. Sales & branch Staff Attrition
2. Critical Role Vacancy TAT
3. Successor Readiness for key roles 
4. Training Coverage 
5. Productivity Improvement post training