Job Description:

We are seeking an experienced and result-driven Area Sales Manager - Gold Loans to lead and drive Gold Loan business across an assigned region. The role involves managing a team of Sales Managers, Gold Loan Relationship Managers, and Gold Loan Officers, ensuring business growth, portfolio expansion, operational excellence, and achievement of regional targets.

The ideal candidate should have a strong background in Gold Loan sales, team management, business development, and branch collaboration, with a proven track record of driving productivity and portfolio growth.

Key Responsibilities:

1. Business Development & Sales Management:

- Drive Gold Loan business growth and achieve regional sales and portfolio targets.

- Develop and execute strategies to increase customer acquisition, loan disbursements, and market penetration.

- Monitor branch-wise performance and ensure consistent achievement of business objectives.

- Identify growth opportunities and implement initiatives to maximize business productivity.

2. Team Leadership & People Management:

- Lead, mentor, and manage a team of Sales Managers (SMs), Gold Loan Relationship Managers (GL RMs), and Gold Loan Officers (GLOs) across the region.

- Set performance goals, monitor productivity, and drive accountability within the team.

- Conduct regular reviews, coaching sessions, and performance assessments.

- Foster a high-performance sales culture focused on customer acquisition and portfolio quality.

3. Training & Capability Building:

- Conduct training programs for Gold Loan teams, branch staff, and customer-facing teams.

- Ensure teams are well-versed in product knowledge, customer engagement, valuation processes, compliance requirements, and sales practices.

- Support continuous learning and skill development across locations.

4. Stakeholder & Relationship Management:

- Collaborate closely with Branch Managers, Regional Teams, and Customer Business Executives (CBEs) to generate Gold Loan business.

- Build strong working relationships with internal stakeholders to ensure seamless business operations.

- Coordinate with support functions to address operational and customer service requirements.

5. Operations & Portfolio Management:

- Ensure smooth functioning of Gold Loan operations across the assigned region.

- Monitor portfolio quality, renewal rates, and customer retention metrics.

- Ensure adherence to internal policies, operational controls, and regulatory guidelines.

- Support branch teams in resolving operational and customer-related issues.

6. Valuation & Vendor Management:

- Oversee the availability and management of certified valuers across locations.

- Ensure valuation processes are conducted accurately and in accordance with company standards.

- Coordinate with valuers and branch teams to support business growth and operational efficiency.

7. Compliance & Risk Management:

- Ensure compliance with organizational policies, audit requirements, and regulatory standards.

- Monitor portfolio health and take proactive measures to mitigate operational and credit risks.

- Maintain high standards of process adherence and governance across the region.

Required Skills & Experience:

- 10-12 years of experience in Gold Loan Sales, Gold Loan Operations, or Retail Assets.

- Mandatory experience in Gold Loan business management.

- Proven track record of managing large regional sales teams and achieving business targets.

- Strong understanding of Gold Loan products, valuation processes, operations, and regulatory requirements.

- Experience in branch business development and portfolio management.

- Excellent leadership, coaching, and team management capabilities.

- Strong analytical, problem-solving, and decision-making skills.

- Excellent communication, stakeholder management, and relationship-building skills.

Preferred Qualifications:

- Graduate or Postgraduate in Business Administration, Finance, Commerce, or a related field.

- Experience in Banks, NBFCs, Gold Loan Companies, or Retail Lending institutions.

- Exposure to multi-location team management and regional business ownership.

Key Success Metrics:

- Achievement of regional Gold Loan disbursement and portfolio targets.

- Team productivity and business growth across locations.

- Portfolio quality and customer retention.

- Branch engagement and lead conversion effectiveness.

- Compliance adherence and operational efficiency.