Job Title
Sales Manager - Retail Assets - Gold Loan
Business Unit
Retail Assets - Gold Loan
Reporting To
Area Sales Manager
Job Function and Role Type
Sales, Individual Contributor, Extensive Travel Required
Version No
2.0
Job Purpose
Drive gold loan business acquisition by managing fulfillment branches, channel partners, and external DSAs. Achieve productivity benchmarks aligned with business objectives to support product vision.
Key Responsibilities
Meet Productivity Benchmark and Achieve Target
Develop strategic plans to achieve allocated FB and NFB targets.
Engage with branches as primary sourcing channels for gold loans.
Monitor lead generation and ensure no degrowth across channels.
Report activities and issues to supervisors for timely resolution.
Monitoring of FOS Productivity
Ensure FOS is updated on product features, pricing, and policies.
Monitor FOS productivity to meet business requirements.
Motivate and groom FOS to achieve higher business numbers.
Successful Marketing Campaigns and Enhance Visibility
Strategize marketing activities based on catchment requirements.
Align marketing collaterals with geography-specific needs.
Ensure visibility through proper display of marketing materials.
Sales Process, Housekeeping, and Lead Management
Adhere to sales management processes for business ethics and audits.
Update Cogent platform with actionable items from branch meetings.
Visit channels to address challenges and plan business achievements.
Gather customer feedback for product and process improvements.
Team Management
Motivate the team to deliver business objectives.
Plan hiring and manage FOS churn to avoid resource shortfalls.
Cross-Sell
Identify opportunities to cross-sell additional products beyond gold loans.
Education:
Graduate; Postgraduate preferred.
Certifications:
Sales and Influencing Skills, Banking Product & Process Knowledge, Planning and Organizing Skills.
Key Competencies
Sales and influencing, communication, planning and organizing, knowledge of competition, financial industry trends.
Major Stakeholders
Customers, internal and external channel partners, operations teams, credit teams, branch control unit, product team.
