Sales Mgr-RA-GL

Hdfc Bank; Mangaluru; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Hdfc Bank seeks a Sales Manager for Retail Assets - Gold Loan to drive gold loan acquisition through branches, channel partners, and DSAs. The role requires managing productivity benchmarks and coordinating with internal teams to meet targets.

The ideal candidate will have graduate education, strong sales and negotiating skills, and deep knowledge of banking products. Extensive travel is expected to support business objectives.

Qualifications

• Graduate degree required, Postgraduate preferred.
• Strong sales and influencing abilities with financial products.
• Excellent communication and planning/organizational skills.
• Knowledge of banking products, processes, and market trends.
• Experience in channel partnerships and sales management preferred.

Responsibilities

• Meet productivity targets and sales benchmarks for gold loans.
• Coordinate with branches and channel partners to source gold loan business.
• Plan and execute marketing activities to improve visibility and demand generation.
• Maintain sales processes, update systems, and ensure compliance and audit readiness.
• Lead and develop the sales team; manage channel partners and DSAs.
• Identify cross-sell opportunities beyond gold loans.

Skills

Sales & Influencing

Communication

Planning & Organizing

Financial industry trends

Knowledge of competition

Education

Graduate

Postgraduate

Tools

Banking product knowledge

Job description

Job Title

Sales Manager - Retail Assets - Gold Loan

Business Unit

Retail Assets - Gold Loan

Reporting To

Area Sales Manager

Job Function and Role Type

Sales, Individual Contributor, Extensive Travel Required

Version No

2.0

Job Purpose

Drive gold loan business acquisition by managing fulfillment branches, channel partners, and external DSAs. Achieve productivity benchmarks aligned with business objectives to support product vision.

Key Responsibilities

1. Meet Productivity Benchmark and Achieve Target Develop strategic plans to achieve allocated FB and NFB targets. Engage with branches as primary sourcing channels for gold loans. Monitor lead generation and ensure no degrowth across channels. Report activities and issues to supervisors for timely resolution.
2. Monitoring of FOS Productivity Ensure FOS is updated on product features, pricing, and policies. Monitor FOS productivity to meet business requirements. Motivate and groom FOS to achieve higher business numbers.
3. Successful Marketing Campaigns and Enhance Visibility Strategize marketing activities based on catchment requirements. Align marketing collaterals with geography-specific needs. Ensure visibility through proper display of marketing materials.
4. Sales Process, Housekeeping, and Lead Management Adhere to sales management processes for business ethics and audits. Update Cogent platform with actionable items from branch meetings. Visit channels to address challenges and plan business achievements. Gather customer feedback for product and process improvements.
5. Team Management Motivate the team to deliver business objectives. Plan hiring and manage FOS churn to avoid resource shortfalls.
6. Cross-Sell Identify opportunities to cross-sell additional products beyond gold loans.

Education:

Graduate; Postgraduate preferred.

Certifications:

Sales and Influencing Skills, Banking Product & Process Knowledge, Planning and Organizing Skills.

Key Competencies

Sales and influencing, communication, planning and organizing, knowledge of competition, financial industry trends.

Major Stakeholders

Customers, internal and external channel partners, operations teams, credit teams, branch control unit, product team.

Required Skills

Refer to the Job Description