Associate Relationship Manager - Affordable HL

Job Requirements
Job Requirements
Role/Job Title: Sales Manager - Gold Loan
Function/ Department: Gold Loan
Job Purpose
The role entails the responsibility of generating gold loan business through different channels. It includes administering and training a team of Direct Selling Teams to expand gold loan business in that locality/branch.
Roles & Responsibilities

• Ensuring Monthly Sales targets are meet with acquisition in NTB (New to Bank) and ETB (Existing to Bank) customers.
• Existing liability customers are pitched for gold loans.
• Ensure month on month growth in EOP (Execution only platform) Assets for Gold loan business/per branch.
• Fee Income should be Minimum 1% of total disbursals.
• Customer Follow ups to be done at regular intervals for timely renewal of cases to ensure Minimum renewal pending cases.
• Co-ordination with valuers to be done time to time basis.
• Ensure most of the customers are aligned to pay valuation charges as per product norms.
• Ensuring healthy collections with Nil First equated monthly instalment / First presentation Default and minimizing fresh flow in Bucket X.
• PSL (Priority sector lending) Tagging and should be aware about PSL norms.
• Helping branch liability team in Audits and ensuring proper communications to customer before any packet Opening.

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• Conduct Marketing activities in the local market for generating NTB gold loan customers.
• Willingness to work extensively in the field and travel across the region on short notice.
• Carrying out ad-hoc activities as per the requirement of the department.
• Proficient in MS - Word /Excel and power point
• Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situation.
  

Education Qualification
Graduation: Bachelors in Engineering / Technology / Management/ Computers/Science.
Post-graduation: MBA.
Experience: 2-10 year of experience in retail banking, preferably with exposure to lending products