Sales Manager-Gold Loan

IDFC FIRST Bank


Date: 1 day ago
City: Rājkot, Gujarat
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

  • 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.

Education Qualification: Any graduate

Experience: 0-2 year of experience in retail banking, preferably with exposure to lending products

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