Job Title

Sales Manager - Retail Assets - Gold Loan

Business Unit

Retail Assets - Gold Loan

Reporting To

Area Sales Manager

Job Function and Role Type

Sales, Individual Contributor, Extensive Travel Required

Version No

2.0

Job Purpose

Drive gold loan business acquisition by managing fulfillment branches, channel partners, and external DSAs. Achieve productivity benchmarks aligned with business objectives to support product vision.

Key Responsibilities

Meet Productivity Benchmark and Achieve Target

Develop strategic plans to achieve allocated FB and NFB targets.

Engage with branches as primary sourcing channels for gold loans.

Monitor lead generation and ensure no degrowth across channels.

Report activities and issues to supervisors for timely resolution.

Monitoring of FOS Productivity

Ensure FOS is updated on product features, pricing, and policies.

Monitor FOS productivity to meet business requirements.

Motivate and groom FOS to achieve higher business numbers.

Successful Marketing Campaigns and Enhance Visibility

Strategize marketing activities based on catchment requirements.

Align marketing collaterals with geography-specific needs.

Ensure visibility through proper display of marketing materials.

Sales Process, Housekeeping, and Lead Management

Adhere to sales management processes for business ethics and audits.

Update Cogent platform with actionable items from branch meetings.

Visit channels to address challenges and plan business achievements.

Gather customer feedback for product and process improvements.

Team Management

Motivate the team to deliver business objectives.





Plan hiring and manage FOS churn to avoid resource shortfalls.

Cross-Sell

Identify opportunities to cross-sell additional products beyond gold loans.

Education:

Graduate; Postgraduate preferred.

Certifications:

Sales and Influencing Skills, Banking Product & Process Knowledge, Planning and Organizing Skills.

Key Competencies

Sales and influencing, communication, planning and organizing, knowledge of competition, financial industry trends.

Major Stakeholders

Customers, internal and external channel partners, operations teams, credit teams, branch control unit, product team.

Skills

NA

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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