The Manager – Gold Loan is responsible for driving gold loan business growth through multiple channels. This includes acquiring new customers, engaging existing ones, and managing a team of Direct Selling Agents (DSAs) to expand the gold loan portfolio across branches. The role also involves ensuring compliance, maintaining portfolio quality, and supporting branch teams in audits and customer communication.
Primary Responsibilities
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.
Don't want to miss the next one?
Subscribe to daily email alerts for roles matching your interests.
