Sales Officer - Gold Loan

• Sales Officer - Gold Loan
• Company: IDFC FIRST Bank
• Job Location: Maharashtra, India
• Employment Type: Full-time
• Company Description

IDFC FIRST Bank is a fast-growing private bank in India, built on the principles of ethical, digital, and socially responsible banking. The Bank combines modern banking services with advanced, cloud-native and API-led technology to deliver seamless experiences across physical branches and digital channels. Serving over 40 million customers across more than 60,000 cities, towns, and villages, it offers a comprehensive range of products spanning retail, MSME, rural, startup, corporate banking, cards, wealth management, and treasury.

With a strong focus on social impact, the Bank has supported millions of individuals, entrepreneurs, and small businesses through inclusive lending and fee waivers on essential services. IDFC FIRST Bank is committed to robust governance, regulatory compliance, and building a resilient, sustainable institution for the future.

• About the Role
• Role Description This is a full-time, on-site Sales Officer Gold Loan role based in South Mumbai.

The Sales Officer will be responsible for sourcing and onboarding gold loan customers through field visits, branch walk-ins, and local market outreach. Daily tasks include assessing customer requirements, explaining product features and terms, verifying documentation, coordinating with branch operations for loan processing, and ensuring timely disbursal. The role involves managing customer relationships, handling queries and issues, and promoting cross-sell opportunities while adhering to compliance, KYC, and risk guidelines.

The Sales Officer will also track sales targets, prepare periodic reports, and collaborate with branch teams to drive gold loan portfolio growth in the assigned territory.

Qualifications

Candidates should possess strong sales and business development skills, including lead generation, negotiation, and closing skills, ideally within retail or secured lending products such as gold loans.

Candidates should possess customer service and relationship management skills, with the ability to build trust, explain financial products clearly, and handle queries and concerns professionally.

Candidates should possess basic financial and analytical skills, including understanding of lending processes, documentation, KYC norms, and risk awareness related to gold valuation and collateral.

Candidates should possess communication and interpersonal skills, including clear verbal and written communication and the ability to work effectively with customers, branch staff, and internal stakeholders.

Candidates should possess organizational and field execution skills, such as time management, territory planning, and comfort with extensive on-ground customer interaction in South Mumbai.

Relevant qualifications such as a graduate degree in any discipline, preferably with experience in banking, NBFCs, or financial services; prior exposure to gold loan operations or retail asset sales is an advantage.

Proficiency with basic digital tools and banking systems, integrity and adherence to ethical standards, and readiness to work in a target-driven environment are highly beneficial. .