Sales Manager - Gold Loan

Job Description

About the post

·      Position / Job Title: Area Sales Manager – Gold Loan

·      Place of Work: Mumbai / Delhi

·      Function / Department: Gold Loan

Job Purpose

The job entails scaling up the business & distribution of Gold‑Loan lending for a designated area by handing over 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 offer a seamless, fulfilling customer experience and secure IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities

Key / Primary Responsibilities

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

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

·      Deliver on a minimum Gold‑Loan productivity of ₹40 lacs per month on new business and guarantee 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/multifunding solutions and appropriately incentivise core DSTs.

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

·      Uphold sound 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.

·      Guarantee successful adoption of internal compliance and regulatory frameworks over the business.

Secondary Responsibilities

·      Recommend process changes to upgrade service productivity and quality over the assigned area.

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

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

Managerial & Leadership Responsibilities

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

·      Create and motivate the team while sustaining controlled attrition.

Education

Qualification

Requirement

Remarks

Graduate Degree

Any

–

Post‑Graduate Degree

Any

–

Professional Degree

–

–

Experience

·      Years of Experience: 5 to 8 years

·      Industry: BFSI

Core Success Metrics

·      Increased profitability

·      Progress in Assets Under Management (AUM)

·      Improved portfolio quality

·      Higher total number of customers

·      Increased number of customer acquisitions

We are recruiting a Sales Manager - Gold Loan for Nuzvid.