Business Manager Gold Loan

Group Company: AU Small Finance Bank Limited

Designation: Business Manager Gold Loan

Office Location:

Position description: #*Position description*#

Primary Responsibilities: #*Primary Responsibilities*#

Additional Responsibilities: #*Additional Responsibilities*#

Reporting Team

• Reporting Designation: #*Reporting Designation*#
• Reporting Department: #*Reporting Department*#
  
  

Educational Qualifications Preferred

#*Education and Experience*#

• Category: #*Category*#
• Field specialization: #*Field specialization*#
• Degree: #*Degree*#
• Academic score: #*Academic score*#
• Institution tier: #*Institution tier*#
  
  

Required Certification/s: #*Required Certification/s*#

Required Training/s: #*Required Training/s*#

Required Work Experience

• Industry: #*Industry*#
• Role: #*Role*#
• Years of experience: #*Years of experience*#
  
  

Job Brief:- AU Small Finance Bank Limited is seeking a seasoned professional to lead and manage the gold loan portfolio within the Sales department. This role demands a strategic thinker with deep expertise in financial services, particularly in secured lending products. The candidate will be responsible for driving business growth, ensuring compliance with regulatory standards, and enhancing customer satisfaction through effective management of gold loan operations. The ideal candidate will possess strong leadership capabilities, excellent market insight, and the ability to develop and execute sales strategies that align with the bank’s objectives and values.

Responsibilities:-

• Develop and implement comprehensive sales strategies to achieve and exceed gold loan business targets in alignment with the bank’s growth objectives.
• Lead and mentor the sales team to enhance their performance, product knowledge, and customer engagement skills specific to gold loan products.
• Manage the end-to-end gold loan process, including customer acquisition, loan disbursal, documentation, and recovery, ensuring adherence to internal policies and regulatory guidelines.
• Conduct market analysis to identify new business opportunities, customer segments, and competitive trends within the gold loan sector.
• Collaborate with credit, risk, and compliance teams to ensure all gold loan transactions meet the bank’s risk management and regulatory compliance standards.
• Build and maintain strong relationships with customers, vendors, and stakeholders to foster trust and long-term business partnerships.
• Monitor portfolio performance, prepare detailed reports, and present insights to senior management for informed decision-making.
• Drive initiatives to improve operational efficiency, reduce turnaround time, and enhance customer experience in gold loan services.
• Coordinate with marketing teams to design and execute promotional campaigns tailored to gold loan products.
• Stay updated with industry developments, regulatory changes, and technological advancements impacting gold loan services.
  
  

Skill:-

• Gold Loan Product Knowledge
• Sales Strategy Development
• Team Leadership and Development
• Regulatory Compliance in Financial Services
• Risk Management
• Customer Relationship Management (CRM)
• Market Analysis and Competitive Intelligence
• Portfolio Performance Monitoring
• Financial Reporting and Data Analysis
• Negotiation and Communication Skills
• Operational Efficiency Improvement
• Stakeholder Management
  
  

Preferred Qualifications:-

• Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
• Minimum of 5-7 years of experience in sales and business management within the financial services sector, with a focus on secured lending or gold loan products.
  
  

Key Performance Indicators: #*Key Performance Indicators*#

Required Competencies: #*Required Competencies*#

Required Knowledge: #*Required Knowledge*#

Required Skills: #*Required Skills*#

Required Abilities

• Physical: #*Physical*#
• Other: #*Other*#
  
  

Work Environment Details: #*Work Environment Details*#

Specific Requirements

• Travel: #*Travel*#
• Vehicle: #*Vehicle*#
• Work Permit: #*Work Permit*#
  
  

Other Details

• Pay Rate: #*Pay Rate*#
• Contract Types: #*Contract Types*#
• Time Constraints: #*Time Constraints*#
• Compliance Related: #*Compliance Related*#
• Union Affiliation: #*Union Affiliation*#