Gold Loan Sales Manager

Sales Manager - Gold Loan - Sales - Pune - Avaanti Residences & Premium Commercial Spaces - (M1-M3) Role Purpose To drive acquisition, servicing, and portfolio growth for the Gold Loan business by delivering a superior customer experience, ensuring accurate gold appraisal and loan processing, and maintaining strong customer relationships while adhering to compliance and operational standards. ________________________________________ Key Responsibilities 1. Business Acquisition & Portfolio Growth • Source new gold loan customers through branch walk-ins, local market outreach, and referrals • Achieve monthly disbursement and revenue targets for gold loan products • Identify cross-sell/up-sell opportunities (insurance, other loan products, etc.) • Build and manage a healthy customer pipeline within the branch catchment (Aligned from profiles handling sales, customer acquisition, and relationship management) ________________________________________ 2. Gold Loan Processing & Disbursement • Conduct preliminary gold appraisal/valuation and coordinate with appraisers where applicable • Process gold loan applications including documentation, KYC verification, and eligibility checks • Ensure accurate loan booking, disbursement, renewal, and closure within defined TAT • Maintain high accuracy in documentation and system entries ________________________________________ 3. Customer Relationship Management • Build strong, long-term relationships with customers to ensure retention and repeat business • Provide advisory support to customers on loan products and financial needs • Handle customer queries, complaints, and service requests effectively (Derived from CRM and customer handling responsibilities across profiles) ________________________________________ 4. Gold Custody & Operational Support • Support branch in gold packet handling, tagging, and safe custody processes • Ensure proper documentation and audit trail for pledged gold • Assist in reconciliation activities under guidance of branch operations ________________________________________ 5. Compliance & Risk Adherence • Ensure adherence to KYC norms, internal policies, and regulatory guidelines during loan processing • Maintain vigilance against fraud and deviations in gold appraisal or documentation • Support audit requirements including documentation verification and data readiness ________________________________________ 6. Market Intelligence & Local Outreach • Monitor local competition, gold rates, and customer trends in the catchment area • Build relationships with local connectors (jewelers, agents, influencers) to drive sourcing • Participate in branch-level campaigns and promotional activities ________________________________________ Key Skills & Competencies (Consolidated across all 3 profiles) • Gold loan operations & appraisal basics • Sales orientation & target achievement • Customer relationship management (CRM) • KYC & documentation handling • Cash handling & basic operational processes • Communication & interpersonal skills • Basic MS Excel / computer skills Qualification • Graduate (B.Com / BBA / BCA / BA preferred) • Certification in gold appraisal (preferred but not mandatory)