Area Sales Manager - Gold Loan (Direct)

Role/ Job Title: Area Sales Manager- Direct- Gold Loan

Business: Retail Banking

Function/ Department: Gold Loan

Job Purpose :

'The Area Sales Manager – Direct is responsible for driving gold loan business through direct sales channels within the assigned geography. The role encompasses open market sourcing, conversion of digital leads, execution of localized marketing initiatives, and effective supervision of Location Heads (LHs) to achieve conversions, while ensuring portfolio quality, risk controls, and regulatory compliance.

Key / Primary Responsibilities :

'•Drive new customer acquisition through open market sourcing, channel development, and deeper market penetration.

•Monitor and improve digital lead-to-disbursement conversion through the SO App and online platforms.

•Ensure timely follow-ups, effective lead nurturing, quality calling, and ageing lead closure.

•Ensure high-quality sourcing with strict adherence to documentation, KYC, and compliance norms.

•Conduct regular market visits for customer engagement, competitor tracking, and channel strengthening.

•Plan and execute BTL activities such as canopies, society activations, and shop branding.

•Achieve monthly and quarterly sales, disbursement, and revenue targets for the assigned area.

•Maintain accurate daily, weekly, and monthly MIS on leads, productivity, BTL activities, and performance.

•Provide strategic market and business inputs to regional leadership for planning and growth initiatives.

•Drive hiring of DST team members to ensure optimal manpower and market coverage.

•Report to the State Head / Regional Head and align closely with regional 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 :

•Lead, mentor, and motivate Sales Officers and Location Heads to consistently meet performance goals.

•Conduct daily huddles, weekly reviews, and monthly performance assessments.

•Train DST teams on product knowledge, processes, sales pitching, compliance requirements, and digital tools.

Qualifications:

Graduate Degree - Any

Years of Experience - 5 to 8 Years