Job
Description
Kadanthottu Finance Pvt Ltd, a leading NBFC licensed under the Reserve Bank of India (RBI), is seeking an Area Manager – Gold Loans to oversee and manage gold loan operations within the designated region. This role requires a dynamic individual with a proven track record in business development, operations management, and team leadership in the gold loan sector. The ideal candidate will drive business growth, ensure operational efficiency, and maintain high standards of customer service and compliance. Key Responsibilities:1. Business Development & Revenue Growth Strategy Execution: Develop and implement innovative strategies to drive gold loan disbursements, focusing on achieving and exceeding set business targets. Market Expansion: Identify and explore new business opportunities to expand the market reach within the assigned territory. Relationship Building: Establish and maintain strong relationships with key customers, business partners, and stakeholders to foster business growth. Competitor & Market Analysis: Continuously monitor the competition and market trends, devising strategies that maintain a competitive edge in the market. 2. Operations & Branch Management Branch Oversight: Ensure the smooth and efficient functioning of gold loan branches in the assigned area, optimizing operations to achieve business goals. Loan Process Management: Monitor all loan processing, documentation, and disbursement activities to ensure strict compliance with internal policies and regulatory guidelines. Branch Visits & Support: Conduct regular visits to branches to assess operations, address challenges, and provide necessary operational support and guidance. Gold Valuation & Storage: Ensure proper valuation, authentication, and secure storage of pledged gold in accordance with company protocols and regulatory standards. 3. Team Leadership & Performance Management Team Recruitment & Training: Recruit, train, and mentor branch managers and sales officers to enhance their productivity and operational efficiency. Performance Monitoring: Set clear performance goals for the team, and ensure regular monitoring and evaluation of individual and team performance. Motivation & Guidance: Inspire and motivate the team to achieve sales targets and maintain high standards of service and operational efficiency. Training Programs: Conduct periodic training sessions focusing on gold loan products, compliance requirements, and customer service best practices. 4. Customer Service & Relationship Management Customer Service Excellence: Ensure that all branches uphold the highest standards of customer service, delivering a seamless experience to all customers. Issue Resolution: Address and resolve customer grievances promptly, ensuring effective solutions and high levels of customer satisfaction. Retention Initiatives: Implement initiatives designed to improve customer retention, loyalty, and long-term relationships with the company. 5. Risk & Compliance Management Regulatory Adherence: Ensure full compliance with Kadanthottu Finance’s internal policies, RBI/NBFC guidelines, and any other relevant regulatory norms. Risk Mitigation: Develop and implement risk management strategies to minimize fraud, defaults, and any operational risks. Audits & Compliance Checks: Conduct regular audits and compliance checks to ensure the highest standards of risk management and regulatory adherence. Portfolio Health: Ensure the timely collection of loan repayments and interest, maintaining the health of the loan portfolio and minimizing overdue issues. Key Qualifications & Skills: Experience: 5+ years of experience in the gold loan industry or financial services, with at least 2 years in a managerial or leadership role. Leadership Skills: Proven ability to lead and manage teams, with a focus on driving performance, training, and motivation. Industry Knowledge: Strong understanding of gold loan products, loan processing, compliance requirements, and risk management strategies. Customer-Focused: Exceptional skills in customer service, relationship management, and conflict resolution. Analytical Skills: Ability to analyze market trends, monitor competition, and devise strategies to maintain a competitive advantage. Communication: Strong verbal and written communication skills with the ability to liaise effectively with internal and external stakeholders. Compliance & Risk Management: In-depth knowledge of RBI regulations and compliance standards related to NBFCs and gold loan operations. To Apply: Interested candidates can apply by submitting their resume to coo@kadanthottufinance.com. Please mention the subject line as "Application for Area Manager – Gold Loans." Job Type: Full-time Pay: ₹27,000.00 - ₹30,000.00 per month Benefits: Cell phone reimbursement Leave encashment Paid time off Schedule: Day shift Supplemental Pay: Commission pay Performance bonus Quarterly bonus Yearly bonus Education: Bachelor's (Required) Experience: Banking: 2 years (Preferred) Direct sales: 3 years (Preferred) License/Certification: Driving Licence (Required) Location: Kottayam, Kerala (Required) Willingness to travel: 100% (Required) Work Location: In person
