Job Description

Role/Job Title: Territory Manager-Gold Loan Function/ Department: Gold Loan Job Purpose: This involves assessing potential customers, evaluating gold collateral, ensuring compliance with lending policies, and driving business growth by achieving sales targets. Additionally, building and maintaining strong relationships with customers and overseeing the team\'s performance are key responsibilities in this role. Roles & Responsibilities: Acquisition of Gold loan customers in the identified segment and reference generation from the specified catchment area. Grow the AUM base for Gold Loan lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met. Collaborate with the Product Head Business Loan to ensure that the customers are offered the best in class solutions funding/multifunding requirements and key DST\'s are appropriately incentivised. Ensuring quality portfolio by minimizing delinquency and rejection. Extensive knowledge and understanding of retails assets, products and operations. Identifying the changing market trends, channel development for acquiring business and provide high quality customer service. Design a fulfilling customer journey leading to customer delight and making IDFC First their banking partner of choice. Ensure the successful adoption of internal compliances & regulatory framework across the business. Educational Qualifications: Graduation: Bachelor\'s in Engineering / Technology / Maths / Commerce / Arts / Science / Biology / Business / Computers / Management. Post-graduation: MBA. Experience: 10-18 years experience in Gold loan sales.

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