AREA HEAD - GOLD LOAN
Arun Rathod
Poonawalla Fincorp Limited
Nanded,Maharashtra
11
years of professional experience
Results-driven Gold Loan professional with 10+ years of experience across Poonawalla Fincorp, Capri Global Capital and IIFL Finance. Currently working as an Area Head managing multi-branch Gold Loan operations across Marathwada and adjoining districts. Experienced in driving disbursement, net growth, AUM, profitability, customer acquisition, team productivity and operational compliance. Proven track record in branch expansion, market penetration, manpower planning, sales execution and team development. Recognized for leadership and business performance through multiple awards and international contest achievements.
Work History
Area Head
1 Year 5 Months- Lead multi-branch Gold Loan operations across Marathwada and adjoining districts, driving business growth and operational discipline.
- Manage Branch Managers and frontline teams with focus on disbursement, net growth, AUM, renewals, customer acquisition and insurance/TPP.
- Drive branch-level business plans, market penetration, local marketing and competitive pricing strategies.
- Lead manpower planning, hiring, staff training, coaching and performance reviews to improve productivity.
- Monitor audit readiness, documentation quality, compliance and risk controls across branches.
- Support new branch expansion, location feasibility and branch launch execution.
Area Sales Manager
9 Months- Managed Gold Loan business across assigned locations with focus on growth, profitability and customer acquisition.
- Led and mentored Branch Managers and sales teams to consistently achieve monthly and quarterly targets.
- Achieved recognition as Best Area Manager - JAS 2024.
- Strengthened renewal rates and customer retention through structured follow-ups and relationship management.
- Ensured process adherence, audit readiness and risk control across branches.
Territory Sales Manager
5 Years 5 Months- Progressed from Senior Officer to Branch Manager and then Territory Sales Manager through consistent performance.
- Managed Marathwada territory, overseeing multi-branch operations and large sales teams.
- Delivered consistent YoY growth in Gold Loan disbursements and AUM.
- Recognized as PAN India Topper - New CUID Contest (FY 2023) and awarded BEST YTD Performer (FY 2023).
- Qualified for Fly High International Contest (Pattaya & Bangkok - FY 2021-22).
- Played a key role in new territory setup, market penetration and team building.
- Improved branch productivity through training, coaching and performance monitoring.
Relationship Officer
8 Months- Managed consumer durable loan business across multiple dealers.
- Drove sales through partner onboarding, scheme execution and team coordination to achieve monthly disbursement targets.
- Maintained controlled delinquency through disciplined customer and channel management.
Cash Custodian
2 Years 4 Months- Monitored cash collection operations with branch-manager coordination to ensure smooth daily operations.
- Updated daily MIS for ATM, bank, branch and ATM-wise reporting.
- Generated daily reports for cash pickup bank-wise and root-plan wise.
- Coordinated with ATM operators to resolve daily operational issues and maintain service continuity.
Education
MBA - Finance & Marketing
Bachelor of Computer Applications (BCA)
Skills
Gold Loan Business Strategy & Growth
Multi-Branch Operations
Team Hiring
Training & Leadership
AUM Growth & Productivity Improvement
Sales Planning & Execution
Competitor Analysis & Pricing Strategy
Audit
Compliance & Process Adherence
Customer Retention & Renewal Management
MIS
Data Analysis & Performance Tracking
New Branch & New Area Setup
Market Penetration & Customer Acquisition
Leadership And Business Highlights
- Best Area Head Award, 2025-04-01
- Qualified for Fly High International Contest - Japan, 2026-01-01
- Recognized as Best Area Manager, 2024-07-01
- PAN India Topper - New CUID Contest, 2023-04-01
- Awarded BEST YTD Performer, 2023-04-01
Career Progression
- Cash Custodian
- Relationship Officer
- Senior Officer
- Branch Manager
- Territory Sales Manager
- Area Sales Manager
- Area Head
Timeline
Area Head
Poonawalla Fincorp Limited
04.2025 - CurrentRead More
Area Sales Manager
Capri Global Capital Limited
07.2024 - 04.2025Read More
Territory Sales Manager
IIFL Finance Limited
01.2019 - 06.2024Read More
Relationship Officer
HDFC Bank (Talent Pro Private Ltd)
05.2018 - 01.2019Read More
Cash Custodian
Writter Corporation Cash Management Services
12.2015 - 04.2018Read More
Eminent Institute of Management & Technology
MBA from Finance & Marketing
Read More
SRTMUN University
Bachelor of Computer Applications (BCA)
Read More