Sales Manager - Gold Loan

Job Requirements

About the role

Role / Job Title:

Place of Work:

Function / Department:

Job Purpose

The role entails scaling up the business & distribution of GoldLoan lending for a designated area by delivering banking needs to customers in the most costefficient and technologyeffective manner. The incumbent will collaborate closely with Retail, Product, Operations, RetailLiability, IT and other teams to provide a seamless, fulfilling customer experience and ensure IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities

Key / Primary Responsibilities

      Identify branches and potential locations for GoldLoan business based on market surveys, competition mapping (NBFCs & banks) and volume analysis.

      Increase distribution channels by identifying nonbranch avenues for GoldLoan sales.

40 lacs per month

      Recruit dedicated manpower for GoldLoan (GoldLoan Officers/Territory Managers) to drive customer acquisition.

      Grow the AUM base for GoldLoan solutions while meeting revenue, cost, profitability and portfolioquality targets.

      Collaborate with the BusinessLoan Product Head to offer bestinclass funding/multifunding solutions and appropriately incentivise key DSTs.

      Ensure timely renewals of GoldLoan customers to retain the existing client base.

      Maintain strong relationships with valuers and valuation agencies.

      Train GoldLoan officers on potential fraud and fraud prevention measures.

      Design a fulfilling customer journey that leads to customer delight and positions IDFC First as the banking partner of choice.

      Ensure successful adoption of internal compliance and regulatory frameworks across the business.

Secondary Responsibilities

      Recommend process changes to improve service efficiency and quality across the assigned area.

      Propose improvements to processes and policies across Retail Banking to drive operational efficiencies and highquality customer service.

      Leverage inhouse synergies through collaboration with internal stakeholders.

Managerial & Leadership Responsibilities

      Attract and retain bestinclass talent for key roles in the reporting structure.

      Build and motivate the team while maintaining controlled attrition.

Education

Qualification

Requirement

Remarks

Graduate Degree

Any

–

PostGraduate Degree

Any

–

Professional Degree

–

–

Experience

Years of Experience:

Industry:

Key Success Metrics

      Increased profitability

      Growth in Assets Under Management (AUM)

      Improved portfolio quality

      Higher total number of customers

      Increased number of customer acquisitions