1. Project Management & Implementation

• Lead the end-to-end implementation of the gold loan project, including planning, design, pilot testing, and scaling.
• Coordinate with cross-functional teams and branches to ensure timely delivery of project milestones.
• Develop detailed project plans, track progress, and provide regular updates to senior management.
• Identify project risks and propose mitigation strategies to ensure smooth execution.

2. Product, policy, procedures development and system tracking

• Design gold loan products, pricing models, and operational processes including gold loan handling (gold receiving, testing, storing, and withdrawal), appraisal, disbursement, and recovery.
• Conduct market research and competitor analysis to identify product gaps and opportunities.
• Recommend product features, loan-to-value ratios, interest structures, and repayment terms aligned with company policies.
• Work closely with IT to ensure accurate tracking of gold loan data in loan management systems.

3. Business Planning, Performance Monitoring and Strategy

• Develop gold loan business plan by branch and for LOLC as a whole.
• Track performance indicators such as loan portfolio growth, delinquency rates, and profitability by branch.
• Drive gold loan products to achieve business plan.
• Develop and implement marketing awareness campaigns to promote gold loans products to the public and target clients.
• Provide coaching and strategies to improve branch performance.
• Prepare analytical reports and present insights to management for strategic decision-making.

4. Compliance & Risk Management

• Ensure all gold loan activities comply with company policies, NBC regulations, and AML/CFT guidelines.
• Oversee gold appraisal, collateral verification, and loan disbursement processes to maintain quality and mitigate risk
• Periodically review gold loan policies and recommend updates to strengthen governance.
• Ensure all gold loan transactions adhere to policies and procedures, quality standards and turnaround time targets.

5. Training & Capacity Building

• Develop and conduct training programs for branch staff, appraisers, and customer service teams.
• Ensure team members are equipped with strong technical, product, and customer service skills related to gold loans.

6. Perform other duties as assigned by supervisor.

• Bachelor’s in Business Administration, Banking & Finance, Economics, or related field.
• Minimum 5years of experience in financial services, experience in gold loan or secured lending operations is an advantage.
• Strong understanding of gold loan business, appraisal techniques, and regulatory guidelines.
• Excellent project planning, execution, and stakeholder management skills.
• Analytical mindset with ability to interpret financial and operational data.
• Proficiency in MS Office.
• Strong leadership, communication, and team coordination abilities.
• High integrity, attention to detail, and commitment to compliance.