Area Sales Manager (Gold Loan )

IFL Finance Limited; Delhi; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

IFL Finance Limited is seeking a Branch Operations/Managerial role in India. The position involves managing and monitoring Gold Loan branches across the assigned area in Delhi, driving sales, customer acquisition, disbursements, renewals and overall business growth.

You will be responsible for achieving business, collection, and portfolio targets, guiding branch managers and teams, and ensuring compliance with KYC/AML and regulatory guidelines.

Responsibilities

• Manage and monitor Gold Loan branches across the assigned area.
• Drive sales, customer acquisition, disbursements, renewals, and business growth.
• Achieve business, collection, and portfolio targets.
• Guide and motivate Branch Managers and branch teams.
• Monitor LTV, overdue, delinquency, NPA, collections, and portfolio quality.
• Ensure proper gold appraisal, KYC, documentation, and loan processing.
• Conduct branch visits and ensure operational and process compliance.
• Identify and control credit, fraud, and operational risks.
• Coordinate with Credit, Operations, Risk, Audit, and Collections teams.
• Review area-wise MIS and performance and report to management.
• Ensure adherence to company SOPs, KYC/AML, and regulatory guidelines.

Job description

Job Description

• Manage and monitor Gold Loan branches across the assigned area.
• Drive sales, customer acquisition, disbursements, renewals, and business growth.
• Achieve business, collection, and portfolio targets.
• Guide and motivate Branch Managers and branch teams.
• Monitor LTV, overdue, delinquency, NPA, collections, and portfolio quality.
• Ensure proper gold appraisal, KYC, documentation, and loan processing.
• Conduct branch visits and ensure operational and process compliance.
• Identify and control credit, fraud, and operational risks.
• Coordinate with Credit, Operations, Risk, Audit, and Collections teams.
• Review area-wise MIS and performance and report to management.
• Ensure adherence to company SOPs, KYC/AML, and regulatory guidelines.