Pawan Ramchander Kumar has been appointed as Business Head – Gold Loans at Godrej Capital, marking a significant milestone in his career spanning banking, financial services, business development, and secured lending. In his new role, he is focused on building the Gold Loan business from the ground up, with responsibility for business strategy, P&L, branch expansion, business transformation, and team leadership. His extensive experience across gold loans and retail financial services positions him well to drive sustainable growth and strengthen Godrej Capital’s presence in the secured lending segment.
Prior to joining Godrej Capital, Pawan served as National Manager – Gold Loans at Bajaj Finserv, where he led the business across multiple geographies with responsibility for growth, distribution expansion, portfolio management, profitability, risk governance, operations, collections, audit, and customer experience. Earlier, he was associated with Kotak Mahindra Bank as Vice President – West & North – Gold Loan, and with Muthoot Fincorp as Zonal Head – West – Gold Loan. These leadership roles strengthened his expertise in managing large branch networks, driving productivity, improving portfolio quality, and developing high-performing teams.
Pawan’s earlier career includes significant experience in regional sales, business development, and banking operations. At Avanse Financial Services, he managed regional sales operations covering customer acquisition, loan sourcing, sanctions, disbursements, collections, and portfolio management. He also held a Business Development role at Grant Medical Foundation, Ruby Hall Clinic, where he focused on strategic partnerships and revenue growth. His banking career includes roles at Abu Dhabi Commercial Bank and ICICI Bank, where he handled customer acquisition, corporate relationships, branch operations, liabilities growth, and cross-selling of financial products.
With extensive experience across gold loans, secured lending, sales management, business strategy, branch expansion, P&L management, operations, and customer relationship management, Pawan brings a strong combination of commercial expertise and execution capabilities to his new position. At Godrej Capital, his focus on building the Gold Loan business from the ground up reflects his ability to scale businesses, strengthen distribution networks, enhance operational efficiency, and lead teams toward sustainable growth. His appointment represents another step in his continued progression as a leader in India’s financial services and secured lending sector.