Chief Operating Officer

About The Company

A growing NBFC focused on providing accessible and responsible financial solutions across urban, semi-urban, and rural markets. The company emphasizes Gold Loans alongside lending solutions such as Loan Against Property, Housing Finance, and Micro Enterprise lending. With an expanding branch network across multiple states, it aims to build a scalable, customer-centric, and well-governed financial services platform that balances sustainable business growth with strong operational and risk discipline.

Position Overview

The Chief Operating Officer will lead the companys business and operational performance with a strategic focus on scaling the Gold Loan business. This role oversees business execution across the branch network, strengthens operational processes and controls, drives productivity and customer experience, and ensures sustainable portfolio growth. The COO reports directly to the Managing Director and partners closely with the senior leadership team to translate business strategy into execution and build scalable operating models supporting the companys next phase of growth.

Key Responsibilities

• Lead the growth and operational performance of the Gold Loan business across the branch network.
• Drive AUM, disbursements, customer acquisition, renewals, and branch productivity.
• Oversee the end-to-end Gold Loan lifecycle including sourcing, appraisal, LTV, credit, documentation, disbursement, custody, release, and auction.
• Strengthen processes, controls, turnaround time, and customer experience.
• Lead branch, regional, and field operations across geographies.
• Drive business targets, productivity, operational efficiency, and cost optimisation.
• Monitor branch and regional performance and implement corrective actions.
• Support branch expansion and scalable operating models.
• Oversee portfolio performance, collections, and recovery operations.
• Monitor AUM, delinquency, collection efficiency, and asset quality.
• Strengthen recovery and auction processes ensuring compliance with regulatory and internal requirements.
• Collaborate with Risk, Compliance, Internal Audit, and Legal to strengthen the control environment.
• Ensure adherence to RBI regulations and internal policies.
• Drive process standardisation, automation, and technology-led improvements to improve turnaround time, productivity, and operational efficiency.
• Establish effective MIS and dashboards for business and operational monitoring.
• Lead and mentor senior business, regional, and operations teams, building a strong culture of performance and accountability.
• Partner with the MD/CEO on business strategy, expansion, and organisational priorities.
• Collaborate cross-functionally with Credit, Risk, Finance, HR, Technology, Compliance, and Legal teams.

• Education: Postgraduate degree in Management, Finance, Business Administration, Economics, or a related discipline.
• Experience: 15+ years in NBFCs, banking, or financial services with strong and demonstrable experience in the Gold Loan business.
• Leadership: Proven experience as COO, Business Head, Operations Head, National Operations Head, or equivalent, managing large branch and field operations across multiple geographies.
• Technical Expertise: Deep understanding of the end-to-end Gold Loan lifecycle, secured lending operations, RBI regulations, operational risk, internal controls, and governance.
• Soft Skills: Strong leadership, strategic thinking, stakeholder management, and ability to drive growth while maintaining portfolio quality and operational discipline.
• Proficiency in Telugu is mandatory.

Why Consider this Opportunity

• Lead the strategic scaling of a core Gold Loan business within a growing NBFC platform.
• Drive operational excellence and portfolio quality across a multi-state branch network.
• Shape scalable operating models and technology-led process improvements.
• Partner directly with the Managing Director and senior leadership on business strategy and expansion.
• Influence risk, compliance, and governance frameworks in a regulated financial services environment.