Territory Manager-Gold Loan

The Territory Manager - Gold Loan plays a crucial role in generating gold loan business through various channels. Your primary responsibility involves overseeing and training a team of Direct Selling Teams to enhance the gold loan business within the assigned locality or branch. Your key responsibilities will include meeting monthly sales targets by acquiring New to Bank (NTB) and Existing to Bank (ETB) customers. You will be required to pitch gold loans to existing liability customers and ensure consistent growth in Execution Only Platform (EOP) Assets for the gold loan business per branch. Additionally, maintaining fee income at a minimum of 1% of total disbursals is essential. Customer follow-ups must be conducted regularly to facilitate timely renewal of cases and minimize renewal pending cases. Coordinating with valuers, ensuring healthy collections, Priority Sector Lending (PSL) tagging, and assisting the branch liability team during audits are among the tasks you will handle. Marketing activities in the local market to attract NTB gold loan customers, willingness to travel across the region at short notice, and flexibility to handle ad-hoc departmental requirements are also part of your role. Proficiency in MS Word, Excel, and PowerPoint is necessary, along with a personal drive and positive work ethic to achieve results within tight deadlines. The ideal candidate should possess a graduation degree, while a post-graduation degree such as an MBA or PGDM is preferred. A minimum of 2-10 years of experience in retail banking, particularly with exposure to lending products, is required to excel in this position.,