Territory manager BDSD

Territory Manager – Business Development & Service Delivery (TM-BDSD)

Location Territory HQ + extensive field travel

Experience 5–8 Years

Qualification Graduate (Commerce/Business/Banking preferred)

Reports to RM / ZM – BD&SD

Job Purpose

Manage the territory's appraiser network, recruitment, deployment and service delivery, ensuring branch coverage, TAT, compliance and fraud-risk controls.

Key Responsibilities

· Recruit, onboard and deploy Full-Time, Re-Appraisal & On-Call Appraisers; close vacancies within 30–45 days.

· Ensure mandatory second-level skill testing and training for all appraisers before onboarding/deployment.

· Ensure uninterrupted branch service and monitor TAT, productivity and service quality.

· Conduct quarterly visits to every client branch, including audits and compliance checks.

· Identify and escalate fraud, process deviations and operational risks.

· Resolve client/branch escalations and track corrective actions to closure.

· Maintain MIS, dashboards, recruitment, appraiser and compliance reports.

· Coordinate with RM/ZM – BD&SD, ARO, appraisers and client bank/NBFC teams.

Requirements

· 5–8 years in gold loan/NBFC/banking operations, field sales or appraiser/manpower management, with 2+ years in territory/team supervision.

· Knowledge of gold appraisal, purity testing, hallmarking, compliance and fraud-risk awareness.

· Strong recruitment, stakeholder management, Excel/MIS, territory planning, negotiation and issue-resolution skills.

· High integrity, ownership, communication, coaching and adaptability for a travel-heavy field role.

· Gold appraisal certification or Phobosgold Skill Test completion within probation if not already held.

Key Focus Areas

Appraiser Recruitment & Network | Skill Testing & Training | Service Delivery | Branch Visits & Audit | Fraud & Risk Management | MIS & Governance