About the role

?      Role / Job Title: Area Sales Manager ? Gold Loan

?      Place of Work: Mumbai / Delhi

?      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

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

Qualification

Requirement

Remarks

Graduate Degree

Any

?

Post_Graduate Degree

Any

?

Professional Degree

?

?

Experience

?      Years of Experience: 5 to 8 years

?      Industry: BFSI

Key Success Metrics

?      Increased profitability

?      Growth in Assets Under Management (AUM)

?      Improved portfolio quality

?      Higher total number of customers

?      Increased number of customer acquisitions