Sales Manager-Gold Loan

• 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.

• Graduation: Full time graduate in any discipline from a recognised institution.

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

• Strong sales and customer acquisition capabilities.
• Good understanding of gold loan products and operational processes.
• Excellent coordination and communication skills.
• Ability to manage collections and ensure portfolio quality.
• Team player with people management and leadership skills.
• Attention to detail, especially in fraud detection and compliance.

IDFC FIRST Bank