Sales Manager-Gold Loan
IDFC FIRST Bank
Date: 3 weeks ago
City: Cuttack, Odisha
Contract type: Full time
Job Requirements
Job Requirements
Role/Job Title: Sales Manager - Gold Loan
Function/ Department: Gold Loan
Job Purpose
The role entails the responsibility of generating gold loan business through different channels. It includes administering and training a team of Direct Selling Teams to expand gold loan business in that locality/branch.
Roles & Responsibilities
Graduation: Bachelor’s in Engineering / Technology / Management/ Computers/Science.
Post-graduation: MBA.
Experience: 2-10 year of experience in retail banking, preferably with exposure to lending products
Job Requirements
Role/Job Title: Sales Manager - Gold Loan
Function/ Department: Gold Loan
Job Purpose
The role entails the responsibility of generating gold loan business through different channels. It includes administering and training a team of Direct Selling Teams to expand gold loan business in that locality/branch.
Roles & Responsibilities
- Ensuring Monthly Sales targets are meet with acquisition in NTB (New to Bank) and ETB (Existing to Bank) customers.
- Existing liability customers are pitched for gold loans.
- Ensure month on month growth in EOP (Execution only platform) Assets for Gold loan business/per branch.
- Fee Income should be Minimum 1% of total disbursals.
- Customer Follow ups to be done at regular intervals for timely renewal of cases to ensure Minimum renewal pending cases.
- Co-ordination with valuers to be done time to time basis.
- Ensure most of the customers are aligned to pay valuation charges as per product norms.
- Ensuring healthy collections with Nil First equated monthly instalment / First presentation Default and minimizing fresh flow in Bucket X.
- PSL (Priority sector lending) Tagging and should be aware about PSL norms.
- Helping branch liability team in Audits and ensuring proper communications to customer before any packet Opening.
- Conduct Marketing activities in the local market for generating NTB gold loan customers.
- Willingness to work extensively in the field and travel across the region on short notice.
- Carrying out ad-hoc activities as per the requirement of the department.
- Proficient in MS - Word /Excel and power point
- Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situation.
Graduation: Bachelor’s in Engineering / Technology / Management/ Computers/Science.
Post-graduation: MBA.
Experience: 2-10 year of experience in retail banking, preferably with exposure to lending products
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