Location Manager-Gold Loans

Job Requirements

Role/ Job Title: Location Manager-Gold Loan

Business: Retail Banking

Function/ Department: Gold Loan

Job Purpose :

The Location Head – Direct is accountable for driving the gold loan business at the assigned location through direct sales channels. The role entails responsibility for open market sourcing, conversion of digital leads, execution of localized marketing initiatives, and effective management of the Direct Selling Team (DST). The position also ensures adherence to portfolio quality standards, risk controls, and all regulatory and internal compliance requirements.

Key / Primary Responsibilities :

• Drive customer acquisition through open market sourcing, referrals, and strong local channel partnerships.
• Execute local market visits to build relationships, monitor competition, and generate business opportunities.
• Manage and convert digital leads received through SO App and online platforms with timely actions.
• Ensure quick follow ups, effective lead tracking, quality calling, and closure of ageing leads.
• Implement BTL activities such as canopies, society activations, shop branding and Micro-Sourcing Drives.
• Own and deliver monthly sales, disbursement, and revenue targets for the assigned branch/location.
• Conduct daily briefing sessions, track performance metrics, and review business progress periodically.
• Ensure high quality sourcing with complete documentation, KYC accuracy, and compliance adherence.
• Monitor portfolio quality, collections performance, and risk indicators at the branch level.
• Maintain accurate and timely reporting on leads, sales, productivity, BTL activities, and collections.
• Report directly to the Area Sales Manager and work to achieve business objectives.
  
  

Secondary Responsibilities :

-Recommend process changes in order to improve service efficiency and quality across the assigned area

-Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer service

-Leverage in-house synergies through collaboration with internal stakeholders

Managerial & Leadership Responsibilities :

• Supervise, guide and support Sales Managers (Direct) and field staff to improve productivity and conversions.
• Conduct daily briefing sessions, track performance metrics, and periodically review business progress.
• Coordinate with functional teams to ensure smooth sourcing, processing, and closures.
  
  

Qualifications:

Graduate Degree - Any

Years of Experience - 0 to 2 Years