An AI agent that applies to roles like this on employers' own sites. 25 applications free, no card needed.
Job Description
A Senior Area Manager in the Gold Loan business is responsible for managing multiple branches within a region, driving business growth, ensuring operational excellence, and leading branch teams.
Key Responsibilities
- Manage and supervise the performance of multiple gold loan branches within the assigned area.
- Achieve regional business targets for gold loan disbursements, portfolio growth, and profitability.
- Develop and implement sales strategies to increase customer acquisition and market share.
- Monitor branch productivity, daily disbursements, renewals, and loan closures.
- Recruit, train, mentor, and evaluate Branch Managers and sales teams.
- Ensure adherence to company policies, RBI guidelines, KYC, AML, and regulatory compliance.
- Oversee gold appraisal quality and ensure accurate valuation of pledged gold.
- Monitor loan-to-value (LTV) ratios and maintain portfolio quality.
- Review overdue accounts and implement effective collection and recovery strategies to minimize NPAs.
- Conduct regular branch audits to ensure operational efficiency and risk control.
- Maintain high standards of customer service and resolve escalated customer grievances.
- Analyze MIS reports, business trends, and branch performance to identify improvement opportunities.
- Coordinate with Operations, Credit, Risk, HR, and Compliance teams for smooth business functioning.
- Monitor competitor activities, local market trends, and customer needs to develop business opportunities.
- Ensure branch security, safe custody of pledged gold, and adherence to security protocols.
- Drive cross-selling of insurance, savings products, or other financial products (where applicable).
- Prepare periodic business reviews and present performance updates to senior management.
- Build relationships with local business communities and key stakeholders to generate business leads.
- Strong leadership and team management
- Sales and business development
- Gold loan operations and appraisal knowledge
- Collection and portfolio management
- Risk assessment and regulatory compliance
- Customer relationship management
- MIS reporting and analytical skills
- Problem-solving and decision-making
- Communication and negotiation skills
- Ability to travel extensively across the assigned region
Skills
SalesAcquisitionCustodyGold Loan OperationsLoan OperationsSecurity ProtocolsReportingValuationIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
About Company
Our motto at Skillab.in is straightforward: accuracy in talent matching. We believe that the ideal candidate must effortlessly mesh with a company's core values, culture, and vision, just as essential machinery pieces must fit together with absolute accuracy for optimal performance. We refer to this as a "hygiene fit" since it combines technical skill and cultural resonance. Why Consider Skillab.in for your company? Hygiene Fit Guarantee: Our meticulous screening ensures every candidate aligns with your Company ethos and technological ambition. Efficiency and Quality: Our tech-driven approach prioritizes quality over quantity, ensuring your Company meets only the most fitting candidates. Proposed Action – Let's make this tangible! anytime soon, how about having a virtual meeting? We can't wait to show you how Skillab.in might enhance your company talent search process. Additionally, putting a face to a name is always a plus!
Similar Jobs
View all
New BFSI (Operations & Lending) roles in Thane.
One email a day. Unsubscribe any time.
