Scope of the Role
The Chief Operating Officer (COO) will be a key member of the executive leadership team, responsible for driving the overall operational excellence, sustainable growth, profitability, and regulatory compliance of the Gold Loan NBFC. The role focuses on the safe expansion of the gold loan portfolio, maintaining superior asset quality, building customer trust, and ensuring strict adherence to RBI and other regulatory frameworks.
Job Description
Key Responsibilities Strategic Leadership & Business Growth Develop and execute the company’s overall business strategy in alignment with the Board and CEO. Drive sustainable growth of the gold loan portfolio while maintaining prudent risk controls. Lead branch expansion initiatives, including location strategy, rollout, and performance stabilization. Regulatory Compliance & Governance Ensure full compliance with RBI regulations, NBFC guidelines, and statutory requirements. Strengthen internal controls, governance frameworks, and audit processes. Act as a key liaison with regulators, auditors, and external stakeholders. Credit, Risk & Asset Quality Management Define and enforce robust credit policies, risk management frameworks, and underwriting standards. Monitor asset quality, NPAs, fraud risk, and portfolio performance across branches. Implement early warning systems and corrective action mechanisms. Financial & Fund Management Oversee financial planning, budgeting, and cost optimization initiatives. Lead fund management, liquidity planning, and capital allocation. Support fundraising activities, lender relationships, and investor interactions.
Operations & Branch Management Standardize operational processes across all branches to ensure efficiency, scalability, and compliance. Ensure consistent customer experience and service quality. Drive productivity, turnaround time improvements, and operational excellence. People, Culture & Leadership Build a high-performance leadership team and strong second-line management. Foster an ethical, compliance-driven, and customer-centric culture. Oversee talent development, succession planning, and performance management. IPO Readiness & Organizational Scale Prepare the organization for IPO, including process maturity, governance, reporting, and compliance. Collaborate with legal, finance, and advisory teams for IPO planning and execution. Ensure systems and controls are aligned with public market expectations. Overall Supervision Provide end-to-end supervision of all operational, financial, and administrative activities of the company. Report performance metrics, risks, and strategic initiatives to the CEO and Board.
Ideal Candidates
Looking for candidates with significant experience in Gold Loan being in NBFC or Banks. Skills required * Minimum 5 years in a senior leadership role heading Gold Loan * Proven experience in scaling branch-based financial services businesses. * Prior involvement in fundraising, regulatory interactions, or IPO preparation is highly desirable.