Sales Officer

DJT Gold Loan; Ghaziabad District; On-site; INR 300,000 - 500,000; Full time

Job summary

DJT Gold Loan is seeking a field-focused Sales professional in Ghaziabad to drive Gold Loan business through direct sourcing, field visits, and local networking. You will identify potential customers, explain loan terms, and guide applicants through KYC and processing steps.

The role emphasizes building lasting customer relationships, achieving monthly targets, and supporting renewals and top-ups with strong local market knowledge and Excel proficiency.

Qualifications

• Graduate in any discipline; relevant banking/NBFC sales exp preferred.
• Strong sales aptitude and willingness to travel locally. Familiarity with gold loan products and documentation.

Responsibilities

• Generate Gold Loan business through direct sourcing, field visits, referrals and local market activities.
• Identify potential customers, traders, shopkeepers and individuals requiring financial assistance against gold ornaments.
• Achieve monthly business targets related to Gold Loan disbursement and customer acquisition.
• Develop and maintain relationships with existing and prospective customers.
• Generate leads through market mapping, references and local networking.
• Explain Gold Loan products, interest rates, repayment options, tenure and applicable charges to customers.
• Conduct regular customer visits and follow up on business leads.
• Build long-term relationships to ensure repeat business and customer retention.
• Support customers with loan renewals, top-ups and repayment-related queries.
• Collect loan applications and required KYC documents from customers.
• Ensure accurate completion of customer details and application forms.
• Coordinate with the Gold Appraiser and Branch Operations team for gold valuation and loan processing.
• Ensure timely submission of complete documentation for loan approval and disbursement.
• Follow up on pending applications and ensure smooth customer onboarding.
• Conduct regular field visits to identify new business opportunities.
• Map local markets, jewellery shops, traders and potential customer segments.
• Monitor competitor activities, market trends and customer requirements.
• Develop referral networks to increase business sourcing.
• Ensure adherence to KYC, AML and internal credit policies.
• Maintain transparency in customer communication and product information.
• Ensure that all customer details and documents are genuine and accurately recorded.
• Report suspicious transactions, documentation discrepancies or operational irregularities to the reporting manager.
• Ensure ethical sales practices and avoid mis-selling.

Skills

Sales & business development

Communication & negotiation

Customer relationship mgmt

Local market knowledge

Gold Loan product knowledge

Travel willingness

MS Excel/basic computer skills

Education

Graduate (any discipline)

Banking/NBFC sales exp preferred

Job description

Key Responsibilities

A. Business Development & Sales

• Generate Gold Loan business through direct sourcing, field visits, referrals and local market activities.
• Identify potential customers, traders, shopkeepers and individuals requiring financial assistance against gold ornaments.
• Achieve monthly business targets related to Gold Loan disbursement and customer acquisition.
• Develop and maintain relationships with existing and prospective customers.
• Generate leads through market mapping, references and local networking.

B. Customer Acquisition & Relationship Management

• Explain Gold Loan products, interest rates, repayment options, tenure and applicable charges to customers.
• Conduct regular customer visits and follow up on business leads.
• Build long-term relationships to ensure repeat business and customer retention.
• Support customers with loan renewals, top-ups and repayment-related queries.

C. Loan Processing & Coordination

• Collect loan applications and required KYC documents from customers.
• Ensure accurate completion of customer details and application forms.
• Coordinate with the Gold Appraiser and Branch Operations team for gold valuation and loan processing.
• Ensure timely submission of complete documentation for loan approval and disbursement.
• Follow up on pending applications and ensure smooth customer onboarding.

D. Market Development

• Conduct regular field visits to identify new business opportunities.
• Map local markets, jewellery shops, traders and potential customer segments.
• Monitor competitor activities, market trends and customer requirements.
• Develop referral networks to increase business sourcing.

E. Compliance & Portfolio Quality

• Ensure adherence to KYC, AML and internal credit policies.
• Maintain transparency in customer communication and product information.
• Ensure that all customer details and documents are genuine and accurately recorded.
• Report suspicious transactions, documentation discrepancies or operational irregularities to the reporting manager.
• Ensure ethical sales practices and avoid mis-selling.

3. Educational Qualification

• Graduate in any discipline (preferred).
• Candidates with relevant banking/NBFC sales experience will be preferred.

4. Experience

• 13 years of experience in Gold Loan, NBFC, Banking or Financial Services.
• Experience in field sales, customer acquisition and business development.
• Freshers with strong sales aptitude may be considered.

5. Required Skills

• Strong sales and business development capabilities.
• Good communication and negotiation skills.
• Customer relationship management.
• Local market knowledge and field sales capability.
• Basic knowledge of Gold Loan products and documentation.
• Target-oriented approach and willingness to travel locally.
• Basic computer knowledge and MS Excel.