Regional Sales Manager - Gold Loan - Sales - Delhi - Lajpat Nagar - (M4-M6)

Role Purpose

To drive regional growth of the Gold Loan business by leading multi-branch sales operations, delivering portfolio expansion, ensuring portfolio quality, and building a high-performance sales ecosystem across the region.

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• Key Responsibilities
• 1. Business Growth & Revenue Delivery
• . Own and deliver regional AUM growth, disbursement targets, and revenue objectives across assigned geography
• . Drive month-on-month and year-on-year growth in Gold Loan portfolio through structured sales planning
• . Lead strategic initiatives to increase market share, customer acquisition, and branch productivity
• . Identify high-potential markets and lead branch expansion & ramp-up strategy
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• 2. Sales Strategy & Execution
• . Design and execute regional sales strategy, including campaigns, local activations, and festival-led sourcing programs
• . Implement pricing, sourcing, and channel strategies to maximize yield and volume
• . Drive cross-sell of allied products (Insurance, SME loans, etc.) to enhance revenue per customer
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• 3. Team Leadership & Capability Building
• . Lead a team of Cluster Managers / Area Managers / Branch Managers across the region
• . Drive performance management, productivity enhancement, and incentive structures
• . Conduct regular reviews, training, and coaching to enhance selling capability and branch efficiency
• . Build a high-performance culture with strong accountability and ownership
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• 4. Branch & Channel Management
• . Oversee functioning of multiple branches/territories, ensuring alignment with business objectives
• . Drive branch-level execution excellence, covering sourcing, conversion, and customer experience
• . Support new branch launches and ensure early profitability and scale-up
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• 5. Portfolio Quality & Risk Management
• . Monitor portfolio health parameters (LTV, NPA, delinquency, overdue trends)
• . Partner with collections and risk teams to ensure strong recovery mechanisms and fraud prevention
• . Ensure adherence to gold appraisal standards, KYC, and audit compliance norms
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• 6. MIS, Analytics & Performance Tracking
• . Drive decision-making through data analytics, MIS dashboards, and forecasting models
• . Track key KPIs: AUM growth, disbursement productivity, ticket size, yield, cost ratio
• . Use insights to refine regional strategy and performance improvement plans
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• 7. Stakeholder & Cross-functional Collaboration
• . Collaborate with Product, Credit, Risk, Ops, Marketing, and Collections teams
• . Provide market feedback for product design, pricing, and process improvements
• . Align with central teams on technology adoption, digital onboarding, and process automation
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• Educational Qualification
• . Graduate (MBA / PGDM preferred - Finance / Marketing)
• . Certifications in Gold Appraisal / Risk / Banking preferred