Sales Manager - Gold Loan

Yes Bank; Hyderabad, Bengaluru; Presencial; INR 600.000 - 1.200.000; Jornada completa

Descripción de la vacante

Yes Bank Ltd. invites applications for a Gold Loan Sales role overseeing a cluster of 45 branches. You will drive business growth, plan activations, and monitor disbursements and portfolios while ensuring adherence to credit policies and regulatory requirements.

The role emphasizes DST team management, field-based customer acquisition, and close collaboration with Branch Managers to maximize opportunities and maintain disciplined performance across the team.

Formación

• Min 3-6 years experience in gold loan or related lending.
• Experience in sourcing and acquisition and branch coordination.
• Strong understanding of credit policies and regulatory requirements.

Responsabilidades

• Drive gold loan growth across 45 branches and achieve targets.
• Develop branch-specific and DST-wise business plans covering sourcing, disbursements, and portfolio growth.
• Identify local market opportunities through market mapping, competitor analysis, customer segments, and sourcing channels.
• Manage DST executives with targets and regular performance reviews.
• Coordinate with branches for lead handover, application processing, and timely disbursement.
• Track loan repayments and coordinate with collections for delinquent accounts.
• Coach team on product features, customer engagement, sourcing techniques, and sales conversion.

Conocimientos

Gold loan sales

Team management

Branch coordination

Customer acquisition

Herramientas

Banking systems

Descripción del empleo

Role & responsibilities :

The Gold Loan Sales team will be responsible for driving gold loan business growth across a cluster of 45 branches through effective management of dedicated Direct Sales Team (DST) executives. The role involves business planning, customer acquisition, achievement of disbursement and portfolio targets, team performance management, and development of local market sourcing channels. The Sales team will work closely with Branch Managers and other stakeholders to maximize business opportunities while ensuring adherence to the Banks approved credit policy, sourcing guidelines, operational procedures, and regulatory requirements.

Business Development & Customer Acquisition :

Drive gold loan business growth across the assigned cluster of 45 branches and ensure achievement of business targets.

Develop branch-wise and DST-wise business plans covering sourcing, customer acquisition, disbursements, and portfolio growth.

Identify business opportunities through local market mapping, competitor analysis, customer segments, and potential sourcing channels.

Drive customer acquisition through field sales, local market activation, customer referrals, and other approved sourcing channels.

Monitor branch-wise business performance and implement corrective actions to address gaps against targets.

DST Team Management & Productivity :

Manage, guide, and monitor dedicated DST executives mapped to individual branches, ensuring clear accountability for business generation.

Set individual targets and monitor performance through regular reviews of leads, customer meetings, applications, conversions, and disbursements.

Conduct regular field visits and accompany DST executives for customer meetings, market activation, and business development activities.

Coach team members on product features, customer engagement, sourcing techniques, sales conversion, and effective use of the Banks systems.

Driving productivity, discipline, and performance accountability across the team and support capability development.

Branch Coordination & Business Delivery :

Work closely with Branch Managers and branch teams to develop and execute branch-specific gold loan business plans.

Ensure effective coordination between DST executives and branches for lead handover, customer appointments, application processing, and timely disbursement.

Resolve business-related bottlenecks affecting customer conversion and turnaround time in coordination with relevant stakeholders.

Build a collaborative operating model between the DST and branch teams to ensure seamless customer acquisition and fulfilment.

Review branch-wise performance and ensure that business opportunities generated by the DST are converted into disbursements.

Portfolio Servicing & Collections

Drive Team to Track loan repayment schedules, overdue accounts, renewals & top-up requests.

Influence team to follow up with customers for timely repayment and coordinate with the collections team for delinquent accounts.

Support loan closure, repayment reconciliation, and timely release of pledged gold upon fulfilment of applicable requirements.

Essential:

Min 3-6 Years experience required

Preferred:

Gold Loan sourcing /acquisition role