Sales Manager - Gold Loan

Job Requirements

Function / Department:

Job Purpose

Roles & Responsibilities

Key / Primary Responsibilities

• Identify branches and potential locations for Gold‑Loan business based on market surveys, competition mapping (NBFCs & banks) and volume analysis.
• Increase distribution channels by identifying non‑branch avenues for Gold‑Loan sales.
• Achieve a minimum Gold‑Loan productivity of ₹40 lacs per month on new business and ensure 80 % re‑generation on eligible customers.
• Recruit dedicated manpower for Gold‑Loan (Gold‑Loan Officers/Territory Managers) to drive customer acquisition.
• Grow the AUM base for Gold‑Loan solutions while meeting revenue, cost, profitability and portfolio‑quality targets.
• Collaborate with the Business‑Loan Product Head to offer best‑in‑class funding/multifunding solutions and appropriately incentivise key DSTs.
• Ensure timely renewals of Gold‑Loan customers to retain the existing client base.
• Maintain strong relationships with valuers and valuation agencies.
• Train Gold‑Loan 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 high‑quality customer service.
• Leverage in‑house synergies through collaboration with internal stakeholders.
  

Managerial & Leadership Responsibilities

• Attract and retain best‑in‑class talent for key roles in the reporting structure.
• Build and motivate the team while maintaining controlled attrition.
  

Education:

Experience:

Key Success Metrics

• Increased profitability
• Growth in Assets Under Management (AUM)
• Improved portfolio quality
• Higher total number of customers
• Increased number of customer acquisitions