Job Description

Job Title

Cluster Sales Manager – Loan Against Gold Ornaments

Grade

Senior Manager / AVP / DVP

Department

Loan Against Gold Ornaments

Location

Cluster Locations

Eligible Grade

Senior Manager / AVP / DVP

Reporting To

National Sales Manager – Loan Against Gold Ornaments

Position Purpose

Acquisition of LAGO customer for all branches in the designated customer through cross-sell to existing branch customer as well as open market sourcing.

Position Responsibilities

Sales

• Identify and launch new LAGO branches in the designated cluster.
• Managing teams of Gold Loan Officer (GLO) in the regions.
• Ensure sales productivity at GLO level.
• Recruitment of GLOs wherever required.
• Achieving sales targets both at branch & cluster level.
• Ensure minimum productivity level at branch level.
• Ensure threshold ROI / Fee at branch level.
• Devise and implement various BTL campaigns to create LAGO awareness in and around branches through sales and regional marketing teams.
• Ensure in branch visibility for LAGO product using standard marketing collaterals.

Support

• Conduct regular branch level training product/process related to LAGO.
• Undertake BTL campaigns for customer awareness and drive lead generation.
• Co-ordination with support functions to ensure upkeep of required infra for LAGO operations.
• Support branch with LAGO related audit queries.
• Handhold branch for conducting physical Auction.
• Follow up with branch / customer for delinquent customer.
• Engage with support functions such as Credit, Operations, Product etc in executing changes in loan process, documentation etc.

Qualifications and Experience Requirement

Qualifications

Essential

Graduate / Master (Preferred) - 6 to 10 years of experience.

Threshold Competencies

• Good understanding of the financial services business, prior experience of working on a sales role in Retail Loans & Gold Loans.
• Well versed with local geographical market, property market & small businesses in and around the territory.
• Existing employees from Pvt Banks/NBFC will be preferred.
• Good written & verbal communication. Well versed with local language to engage with customer.

Leadership Competencies

• People management & engagement to drive threshold.
• Collaboration with stake holders.