City Head - Gold Loan

About the Company:

Our Client is a financial technology company helping India meet its credit, consumption & savings needs using its favorite metal, Gold. This company is a venture funded company, where you get access to wealth creation with ESOPs and join the rocket ship at the ground level.

The company's aim is to enable millions of Indian households to meet their credit, saving and investment needs by better monetising their assets. They hope to free the financially underserved from debt cycles by empowering them to build a more predictable and secure future

Designation: City Head-Gold Loan

Location: Mumbai and Delhi

Experience: 10-15 years

Job Description:

- Responsible for Business Development and the Portfolio Management for the Gold Loan Business for the assigned city.

- Drive and Implement Sales strategy for the Business to deliver Net Income in compliance with organization's goals.

- Conduct regular and detailed business reviews with the team, to ensure business strategies are executed and Budgeted Numbers are achieved.

- Explore and identify new sourcing avenues and channels to increase penetration and Building a positive Book.

- Managing the overall functioning of processes, identifying improvement areas and implementing adequate measures to maximize customer satisfaction level; monitoring transactions to make sure that they adhere to the regulatory restrictions and prudential norms.

- Ensuring monthly, quarterly & yearly Gold Loan, Interest Collection & NPA reduction targets are met .

- Hire, monitor, and manage a team of Sales Managers.

- Identifying the need of sales training, analyzing changing market trends, channel development etc.

- Ensuring 100% adherence of Ops processes and policies set forth by the company are implemented on the ground and monitored.

- Coordinate and plan with cross functional operations, central teams to ensure smooth transactions.

Skills required:

- Minimum 10 years of relevant experience of gold loan business, ideally from traditional gold loan\business.

- Experience of leading a large gold loans sales team - through knowledge of risk, credit and customer services functions of Gold Loans.

- Sound knowledge of Gold Loan Infrastructure and Vault Management.

- Ability to deploy adequate manpower and drive sales performance.