Location Manager-Gold Loans

Idfc First Bank Limited; Meerut; Presencial; INR 1.200.000 - 2.200.000; Jornada completa

Descripción de la vacante

IDFC First Bank Limited invites applications for a Location Manager - Gold loans to drive expansion of gold loan lending across a designated area. You will collaborate with Retail Operations, Retail Liability, and IT to deliver seamless customer experiences and position the bank as the primary financial partner for customers’ needs.

The role emphasizes identifying new branches, expanding distribution channels, and achieving productivity targets while ensuring compliance with internal and

Formación

• Graduation in any discipline; MBA/PGDM preferred.
• 5–10 years of relevant experience in Gold loan business or retail banking.
• Strong understanding of branch operations, sales, and risk controls.

Responsabilidades

• Identify branches and locations for gold loan business through market survey and competitive mapping.
• Expand distribution channels for gold loans alongside branch banking efforts.
• Deliver best-in-class service by minimizing disbursal and closure TATs to drive repeat business.
• Ensure GLO productivity targets (40–50 Lacs per month new business) and eligibility-based processing.
• Recruit and mentor gold loan officers, territory managers, and area sales heads in branches.
• Grow AUM to meet revenue, cost, profitability, and portfolio quality targets.

Conocimientos

Gold loans

Channel expansion

Team leadership

Regulatory compliance

Educación

Graduation

MBA/PGDM

Descripción del empleo

Job Requirements

Role/ Job Title: Location Manager - Gold loans

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 the customers in the most cost efficient and technology effective manner. Role will closely collaborate with Retail team -Operations, Retail Liability team & IT, for same. This role encapsulates the responsibility of providing a seamless and fulfilling customer experience and ensuring IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities

• Identification of branches and potential location for gold loan business basis market survey, competition mapping with NBFC's and Banks and the volume generated by them.
• Increasing the distribution channel by identifying various channels for gold loan along with branch banking.
• Ensure we give best in class service to the Customers by Minimize the disbursal TAT and Closure TAT so that he can be converted and be willing to take gold loan again from us.
• Ensure GLO productivity of Minium 40- 50 lacs per month on new business and 80% generals to be done on eligible customers.
• Recruiting dedicated manpower for gold loans i.e., gold loan officers/Territory managers/ Area Sales heads in branches for customer acquisition.
• Grow the AUM as per target defined and ensure that the overall revenue, cost, profitability, and portfolio quality targets are met.
• Collaborate with the Product team to ensure that the customers are offered the best-in-class solutions funding/multifunding requirements and key DSTs are appropriately incentivized.
• Ensuring renewals of gold loan customers are done on a timely basis and bank doesn’t losses these set of customers.
• Keep a close tab on Valuers and ensure that valuer's /Agencies are swapped on a time-to-time basis.
• Ensure close relationship with valuer and Valuation agencies.
• Training to gold loan officers on potential fraud and fraud Ornaments.
• Ensure Cross sell targets & PSL targets are archived for self and team.
• Ensure the successful adoption of internal compliances & regulatory framework across the business.
• This role will report to ASM/State Head- Gold loans.

Education Qualification

Graduation: Any

Post-graduation: MBA, PGDM

Experience

5 to 10 years of relevant experience.