Regional Sales Manager - Gold Loan - Sales - Mumbai - Lodha (I-Think Techno Campus) - 2nd Floor - (M4-M6)

Job description

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. \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ 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 \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ 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 \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ 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 \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ 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  \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ 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 \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ 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 \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ 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 \\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_ Educational Qualification •    Graduate (MBA / PGDM preferred – Finance / Marketing) •    Certifications in Gold Appraisal / Risk / Banking preferred