About the role

Role / Job Title: Sales Manager ? Gold Loan

Function / Department: Gold Loan

Job Purpose

The role entails scaling up the business & distribution of Gold_Loan lending for a designated area by delivering banking needs to customers in the most cost_efficient and technology_effective manner. The incumbent will collaborate closely with Retail, Product, Operations, Retail_Liability, 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

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

Education Qualification: Any graduate

Experience 0-2 years