Area Sales Manager

DBS Bank Ltd; Tiruchirappalli; On-site; INR 600,000 - 800,000; Full time

Job summary

DBS Bank Ltd in Tiruchirappalli seeks a Gold Loan Sales Leader to grow and manage the gold loan book, building a profitable portfolio for the bank.

The role requires hiring and training sales staff, devising monthly plans, expanding branch reach, and driving productivity across the region while upholding compliance and customer service standards.

Qualifications

• Five to ten years of experience in Gold Loan sales within banking or NBFC.
• Graduate or post-graduate degree, preferably in Sales and Marketing.
• Strong analytical and relationship-management capabilities.

Responsibilities

• Drive and expand the Gold Loan business at the branch level.
• Hire and train sales executives and motivate the sales staff.
• Prepare and review monthly sales plans for DST/Branch.
• Manage portfolio growth and improve profitability YOY.
• Collaborate with branches and external agencies to fulfill targets.

Skills

Analytical skills

Action-oriented

Relationship management

Education

Graduate or post-graduate degree (Sales & Marketing preferred)

Tools

Gold Loan policies

Job description

Business Function:

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you.

Job Purpose (In a brief, specific one or two-sentence statement, answer the questions: "Why does this position exist?" and "What is it expected to accomplish?")

Responsible for growing and managing the Gold Loan Business for the Bank. Building a Profitable book for the GL business

Key Accountabilities (List the expected end results or KPIs that the job holder is expected to achieve for this job. Do not list more than 5)

• 1) Responsible for Hiring the Sales Executives, Product Training and Motivating the Sales staff in generating business
• 2) Prepare monthly working plan for sales teams , review weekly, monthly plan for DST /Branch .
• 3) Manage Incremental Portfolio for Gold Loan for Branch
• 4) Responsible for Sale Executive Productivity. The individual will provide necessary update and feedback to sales teams to achieve the desired business objective.
• 5) Responsible for creating a robust business model strong sales team for generating top line as well as bottom line growth YOY

Job Duties & responsibilities (List the principal duties. Use concise statements that provide a clear understanding of the level of responsibility, complexity, creativity and analysis performed in this position.)

• Ensuring policy adherence and meeting compliance requirement
• Work closely with the branch Staff/ DST to drive gold loan customers for fulfilment
• profitability and employee development. Managing and supporting the effective deployment of team of sales professionals with respect to the geographical area, exploring new markets and in allocating resources to most profitable opportunities.
• implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.

Recruiting and retaining high performers. Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of employee satisfaction

Required Experience

Five to ten years of experience as Gold Loan sales in Bank/NBFC

Education / Preferred Qualifications

Professional qualification, graduate or post-graduate degree, preferably in Sales and Marketing along with relevant experience.

Core Competencies

• 1) Strong analytical skills to drive channel performance and drive profitability
• 2) Strong bias for action & driving results in a high-performance environment
• 3) Good knowledge of industries/sectors, People & Relationship Management skills.

Technical Competencies

• 1) Sound knowledge of Gold Loan Industry policies/practices.is a must.
• 2) Good knowledge of
• 3) Have an established local network in the Indian Banking market.
• 4) Identifying the need of sales training, analysing changing market trends, channel deployment
• 5) Affirmitive in nature, Strong Leadership Skills, Clarity of thought and perseverance.
• 6) People & Relationship Management skills.
• 7) Knowledge of multi market Gold Loan sales especially South is essential

Work Relationship

Good working relationship with Branches and other external agencies.