Senior Area Manager - Gold loan

SkillLabs; Thane; In loco; INR 1.200.000 - 1.800.000; Tempo pieno

Descrizione del lavoro

SkillLabs is seeking a Senior Area Manager for the Gold Loan division to oversee multiple branches within a regional portfolio. You will drive disbursals, growth, and profitability while leading branch teams and ensuring adherence to RBI guidelines and risk controls.

You will develop sales strategies, monitor performance metrics, and maintain high service quality. The role requires strong leadership, strategic thinking, and travel across the region.

Competenze

• Strong leadership with proven team management capability.
• Experience in sales and business development to grow market share.
• Deep knowledge of gold loan operations and appraisal processes.
• Experience with portfolio management and collection strategies.
• Solid understanding of regulatory compliance and risk controls.
• Excellent customer relationship management and communication skills.
• MIS reporting, data analysis and decision-making abilities.
• Proven problem solving and negotiation skills.
• Willingness and ability to travel across the region.

Mansioni

• Manage and supervise multiple gold loan branches within the area.
• Achieve regional targets for disbursements, growth and profitability.
• Develop and implement sales strategies to increase market share.
• Monitor productivity, disbursements, renewals and closures.
• Recruit, train and mentor Branch Managers and sales teams.
• Ensure compliance with RBI guidelines, KYC, AML and policies.
• Oversee gold appraisal quality and accurate valuations.
• Monitor LTV ratios and overall portfolio quality.
• Conduct branch audits and manage risk controls.
• Drive cross-selling of insurance and other financial products.
• Prepare business reviews and present outcomes to senior management.
• Build relationships with local businesses to generate leads.

Conoscenze

Leadership

Sales & BD

Gold loan ops

Portfolio management

Regulatory compliance

Customer relationship

MIS reporting

Problem solving

Negotiation

Travel readiness

Descrizione del lavoro

A Senior Area Manager in the Gold Loan business is responsible for managing multiple branches within a region, driving business growth, ensuring operational excellence, and leading branch teams.

Key Responsibilities

• Manage and supervise the performance of multiple gold loan branches within the assigned area.
• Achieve regional business targets for gold loan disbursements, portfolio growth, and profitability.
• Develop and implement sales strategies to increase customer acquisition and market share.
• Monitor branch productivity, daily disbursements, renewals, and loan closures.
• Recruit, train, mentor, and evaluate Branch Managers and sales teams.
• Ensure adherence to company policies, RBI guidelines, KYC, AML, and regulatory compliance.
• Oversee gold appraisal quality and ensure accurate valuation of pledged gold.
• Monitor loan-to-value (LTV) ratios and maintain portfolio quality.
• Review overdue accounts and implement effective collection and recovery strategies to minimize NPAs.
• Conduct regular branch audits to ensure operational efficiency and risk control.
• Maintain high standards of customer service and resolve escalated customer grievances.
• Analyze MIS reports, business trends, and branch performance to identify improvement opportunities.
• Coordinate with Operations, Credit, Risk, HR, and Compliance teams for smooth business functioning.
• Monitor competitor activities, local market trends, and customer needs to develop business opportunities.
• Ensure branch security, safe custody of pledged gold, and adherence to security protocols.
• Drive cross-selling of insurance, savings products, or other financial products (where applicable).
• Prepare periodic business reviews and present performance updates to senior management.
• Build relationships with local business communities and key stakeholders to generate business leads.

Key Skills Required

• Strong leadership and team management
• Sales and business development
• Gold loan operations and appraisal knowledge
• Collection and portfolio management
• Risk assessment and regulatory compliance
• Customer relationship management
• MIS reporting and analytical skills
• Problem-solving and decision-making
• Communication and negotiation skills
• Ability to travel extensively across the assigned region