Sales Manager-Gold Loan

Job Description

Job Requirements

Role / Job Title: Sales Manager – Gold Loan

Function / Department: Gold Loan

Job Purpose

The role entails scaling up the business & distribution of Gold‑Loan lending for a designated area by delivering banking needs to customers in the most cost‑efficient and technology‑effective manner. The incumbent will collaborate closely with Retail, Product, Operations, Retail‑Liability, IT and other teams to provide a seamless, fulfilling customer experience and ensure IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities

Key / Primary Responsibilities

· Identify branches and potential locations for Gold‑Loan business based on market surveys, competition mapping (NBFCs & banks) and volume analysis.

· Increase distribution channels by identifying non‑branch avenues for Gold‑Loan sales.

· Achieve a minimum Gold‑Loan productivity of ₹40 lacs per month on new business and ensure 80 % re‑generation on eligible customers.

· Recruit dedicated manpower for Gold‑Loan (Gold‑Loan Officers/Territory Managers) to drive customer acquisition.

· Grow the AUM base for Gold‑Loan solutions while meeting revenue, cost, profitability and portfolio‑quality targets.

· Collaborate with the Business‑Loan Product Head to offer best‑in‑class funding/Mult funding solutions and appropriately incentivize key DSTs.

· Ensure timely renewals of Gold‑Loan customers to retain the existing client base.

· Maintain strong relationships with valuers and valuation agencies.

· Train Gold‑Loan officers on potential fraud and fraud prevention measures.

· Design a fulfilling customer journey that leads to customer delight and positions IDFC First as the banking partner of choice.

· Ensure successful adoption of internal compliance and regulatory frameworks across the business.

Secondary Responsibilities

· Recommend process changes to improve service efficiency and quality across the assigned area.

· Propose improvements to processes and policies across Retail Banking to drive operational efficiencies and high‑quality customer service.

· Leverage in‑house synergies through collaboration with internal stakeholders.

Managerial & Leadership Responsibilities

· Attract and retain best‑in‑class talent for key roles in the reporting structure.

· Build and motivate the team while maintaining controlled attrition.

Education Qualifications:

Graduation: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate.

Experience: 5 to 10 years of relevant experience.

Frequently Asked Questions

What are the eligibility criteria for the Sales Manager-Gold Loan job at IDFC FIRST Bank?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 5-10 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Sales Manager-Gold Loan at IDFC FIRST Bank?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Sales Manager-Gold Loan at IDFC FIRST Bank.

Is prior experience required for this position?

This role requires around 5-10 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the Sales Manager-Gold Loan role at IDFC FIRST Bank?

You can apply directly using the Apply Now button on this page, which will take you to IDFC FIRST Bank's application process for this role.

IDFC FIRST Bank — Pune, PUNE