Job Description

Job Requirements
Job Role: Sales Manager - Gold Loan
Job Function: Retail Banking
Job Purpose: The Manager - Gold Loan is responsible for driving gold loan business growth through multiple channels. This includes acquiring new customers, engaging existing ones, and managing a team of Direct Selling Agents (DSAs) to expand the gold loan portfolio across branches. The role also involves ensuring compliance, maintaining portfolio quality, and supporting branch teams in audits and customer communication.
Key Responsibilities

• Achieve monthly sales targets by acquiring New-to-Bank (NTB) and Existing-to-Bank (ETB) customers.
• Promote gold loan products to existing liability customers.
• Drive consistent month-on-month growth in End-of-Period (EOP) assets for the gold loan business at each branch.
• Ensure fee income of at least 1% of total disbursals.
• Conduct regular follow-ups with customers to ensure timely renewals and minimize pending cases.
• Coordinate with valuers periodically and ensure customers are aligned to pay valuation charges as per product norms.
• Maintain healthy collections with zero First EMI Misses (FEMI) and First Payment Defaults (FPD), while minimizing fresh flow into delinquency buckets.
• Ensure accurate Priority Sector Lending (PSL) tagging and compliance with PSL norms.
• Support branch liability teams during audits and ensure clear communication with customers prior to packet opening.
• Conduct local marketing activities to generate NTB gold loan leads.
• Demonstrate proficiency in MS Word, Excel, and PowerPoint for reporting and presentations.
• Exhibit personal drive and a strong work ethic to deliver results under tight deadlines and demanding conditions.
• Willingness to work extensively in the field and travel across the region on short notice.
• Perform ad-hoc tasks as required by the department.

Education: Any Graduate

• Experience: Minimum of 2 years of experience in retail banking, preferably with exposure to lending products such as gold loans within BFSI industry.

Skills Required