Sales Officer-Retail Assets-Gold Loan

Hdfc Bank; Kolkata District; On-site; INR 400,000 - 560,000; Full time

Job summary

HDFC Bank Limited invites applications for a Sales Officer in Retail Assets - Gold Loan. You will source business in your allocated catchment, work in the open market, and manage the end-to-end process for gold loan disbursals.

The role requires 1–3 years of banking experience, graduate with 50% marks, strong communication and interpersonal skills, and ability to travel for customer visits across PAN India.

Qualifications

• Graduate with at least 50% marks.
• 1–3 years of banking/financial services experience.
• Strong communication and interpersonal skills.
• Proactive and focused approach.

Responsibilities

• Solely responsible for sourcing business through the open market.
• Create a database of potential customers using lead generation tools.
• Work in catchment areas to find new sales opportunities and drive revenue.
• Convert Gold Loan leads generated by various internal business units.
• Perform quick data entry for disbursed loans.
• Build and develop good relationships with customers to cater to their gold loan needs.
• Sustain long-lasting customer relations to focus on loan renewals.
• Generate more business by conducting promotional activities (e.g., leaflet distribution, canopy, ATM activities).
• Conduct activities in residential & industrial places to create Gold Loan awareness.
• Log FTR files at Local Ops/RAOPS.
• Follow up with Local Ops/RAOPS to ensure timely disbursement of cases.

Skills

Team spirit

Interpersonal skills

Time management

Communication skills

Proactive & focused

Education

Graduate with minimum 50% marks

Job description

Job Title:

Sales Officer-Retail Assets-Gold Loan

Job Details:

Business Unit: Retail Assets - Gold Loan

Team: Retail Assets - Gold Loan

Reports to: Sales Manager - GL

Location: PAN India

Role Type: Individual

Direct Reportees: 0

Travel Required: Customer Visits

Job Band Range: S1 & S2

JD Updated Date: 05-08-2025

Job Purpose:

Responsible for sourcing business for the Gold Loan team within an allocated territory/area.

Has processing rights to book transactions in the system.

Job Responsibilities:

Sourcing Business:

• Solely responsible for sourcing business through the open market.
• Create a database of potential customers using lead generation tools.
• Work in catchment areas to find new sales opportunities and drive revenue.
• Convert Gold Loan leads generated by various internal business units.
• Perform quick data entry for disbursed loans.

Relationship with Customers:

• Build and develop good relationships with customers to cater to their gold loan needs.
• Sustain long-lasting customer relations to focus on loan renewals.

Promotional Activities:

• Generate more business by conducting promotional activities (e.g., leaflet distribution, canopy, ATM activities).
• Conduct activities in residential & industrial places to create Gold Loan awareness.

Cross Selling:

• Log FTR files at Local Ops/RAOPS.
• Follow up with Local Ops/RAOPS to ensure timely disbursement of cases.

Educational Qualifications:

Graduate with a minimum of 50% Marks.

Key Skills:

• Good Team spirit
• Interpersonal skills
• Time / Team Management
• Good communication skills
• Proactive & focused approach

Experience Required:

1 to 3 Years in the Banking and Financial Service Industry.

Major Stakeholders:

Interaction with Customers.

Required Skills

Refer to the Job Description