Sales Manager - Gold Loan

Idfc First Bank Limited

Barabanki

In loco

INR 37.944.000 - 51.336.000

Tempo pieno

3 giorni fa

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Descrizione del lavoro

IDFCFirst Bank Limited is seeking an Area Sales Manager for Gold Loan to scale up the business in a designated area. The role involves identifying growth locations, expanding distribution channels and driving customer acquisition while coordinating with Retail, Product and Operations teams to deliver a seamless customer experience.

The position emphasizes achieving strong Gold-Loan productivity, managing teams, and ensuring regulatory compliance, with an eye toward profitability and portfolio

Competenze

Graduation or higher in any stream.
Experience in BFSI sector preferred.
Leadership experience in sales teams.

Mansioni

Identify branches and locations for Gold-Loan business through market surveys and competition mapping.
Expand distribution channels beyond branches for Gold-Loan sales.
Achieve monthly Gold-Loan productivity targets and ensure high-quality customer re-generation.

Conoscenze

Gold Loan

Team Leadership

Market Analysis

Customer Acquisition

Formazione

Graduate Degree

Post-Graduate Degree

Professional Degree

Descrizione del lavoro

Job Description:

Job Requirements

About the role

Role / Job Title:Area Sales Manager - Gold Loan
Place of Work:Mumbai / Delhi
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 IDFCFirst 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 ₹40lacs 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/multifunding solutions and appropriately incentivise 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 IDFCFirst 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