Sales Manager

Ensure the achievement of BEP by all branches under your purview.  Ensure EOD procedures are done by all branches under your purview as per SOP.  Monitor the monthly growth of gold loans in each branch, aligning with sales targets.  Attain the resource budget set for the region.  Achieve the specified physical and income targets from non-core business segments.  Foster business growth and instil a sense of passion in all employees within your team.  Encourage active participation of your team in all campaigns, events, and login days to promote company initiatives.  Lead and motivate branches to conduct daily door-to-door marketing, enhancing visibility, and contributing to business development.  Collaborate with the marketing team to strategize and plan events and campaigns.  Organize and conduct monthly customer meets at branches to strengthen customer relationships.  Recognize outstanding performance and appreciate employees, particularly at the branch level by coming up with "Best Employee of the Month" for your region.  Foster healthy competition amongst branches to improve overall performance.  Embrace and implement successful ideas from both internal and external performers.  Offer support to branches to increase business and meet their targets.  Hold weekly staff meetings and reviews with Branch Managers for business development and related matters.  Undertake additional assignments as directed by CO/ZM.  Branch visit to be conducted as per the instructions of Corporate Office and approval from COO, remaining days to attend Zonal Office. Development:  Motivate and empower your team, fostering a strong sense of team spirit for business achievement.  Initiate and oversee business campaigns like local marketing initiatives and branch publicity activities, following approvals from ZM/CO.  Ensure employees are well-informed about all company policies like the Whistle-blower policy, sexual harassment of Women at Work place, Fair practices code, audit policy, and other policies given in the company website and circulars issued from CO.  Cultivate excellent customer relations and establish positive business practices in the region.  Educate branches about the various financial products offered by the company, such as NCDs, sub-debts, gold loan schemes, and insurance services including Third Party Products. Sanction/Control Function:  Oversee the daily progress of each branch, analysing growth, customer acquisition, marketing, overdue accounts, NPAs, fraud, incidents, and staff-related issues.  Conduct routine branch visits to discuss business growth, marketing activities, overdue accounts, and staff-related matters.  Seek approval for branch closures in emergency situations.  Ensure the proper display of regulatory licenses and customer grievance procedures.  Address issues arising from late branch openings and strong room concerns.  Arrange for replacement keys in case of loss and recover costs from the employee involved.  Sign cheques for cash withdrawals as required for branch operations.  Optimize fund utilization, reconcile bank accounts, and oversee inter-branch cash transfers.  Custodianship of branch duplicate keys held at the HQ branch.  Address and close irregular or low-purity gold loan accounts.  Approve leave and regularise attendance for the staff as per the assigned approval hierarchy.  Take a proactive role in fostering a culture of punctuality, accountability, and integrity within your team.  Ensure the credibility of attendance records and minimize the need for regularizations.  Reduce the frequency of authorized attendance regularizations by rigorously scrutinizing the validity and accuracy of all regularizations that are put forth for approval.  Ensure there are no attendance irregularities like fake photo punching, regularisation of leave etc in your region.Recommend appropriate disciplinary actions against staff engaged in misconduct or financial irregularities.  Oversee the recovery of gold loans, timely interest collection, and effective loan renewal processes.  Personally verify high-value gold loan packets during branch visits and submit thorough reports.  Monitor high-value, high-growth, and HNI pledges.  Supervise the movement of gold and cash between branches and auction centres, ensuring proper insurance coverage.  Promptly submit comprehensive Branch Visit Reports.  Conduct tare weight checks and gold verification in line with office orders. Monitoring and Reporting:  Ensure strict adherence to Strong Room Key management protocols, including Joint Custody.  Verify the functionality of CCTV systems with recording and Security Alarms.  Manage all legal, statutory, and other official notices as required.  Address and resolve customer complaints in a timely and effective manner.  Coordinate with Corporate Office regarding visits to police stations, courts, and the resolution of warrants involving Company assets and employees.  Establish liaison with police and other agencies, diligently following up on police and court cases until full recovery.  Ensure timely registration or renewal of Shop and Establishment, Labour, and Weighing Balance registration.  Make sure that the authorized representatives for cases pending before court are contacting / meeting the advocate on instruction from the corporate office.  Prior mail approval should be taken from the corporate office for approving any payment related to litigation, court expenses.  Coordinate with BM and make sure that all communications including notices from advocate / court / police / Govt offices, etc are informed to the corporate office on the same day.  Coordinate with the legal department and branches to file police complaints in time against customers / employees in cases of theft gold seizure and spurious gold.

Job Type: Full-time

Pay: ₹30,000.00 - ₹40,000.00 per month

Benefits:

• Health insurance
• Leave encashment
• Provident Fund

Education:

• Bachelor's (Preferred)

Experience:

• Gold Loan: 2 years (Required)

Location:

• Pathanamthitta, Kerala (Required)

Work Location: Remote

Expected Start Date: 14/08/2025