Job Description: Sales Manager Gold Loan

Role Purpose

To drive acquisition, servicing, and portfolio growth for the Gold Loan business by delivering a superior customer experience, ensuring accurate gold appraisal and loan processing, and maintaining strong customer relationships while adhering to compliance and operational standards.

Key Responsibilities

1. Business Acquisition & Portfolio Growth

- Source new gold loan customers through branch walk-ins, local market outreach, and referrals

- Achieve monthly disbursement and revenue targets for gold loan products

- Identify cross-sell/up-sell opportunities (insurance, other loan products, etc.)

- Build and manage a healthy customer pipeline within the branch catchment

(Aligned from profiles handling sales, customer acquisition, and relationship management)

2. Gold Loan Processing & Disbursement

- Conduct preliminary gold appraisal/valuation and coordinate with appraisers where applicable

- Process gold loan applications including documentation, KYC verification, and eligibility checks

- Ensure accurate loan booking, disbursement, renewal, and closure within defined TAT

- Maintain high accuracy in documentation and system entries

3. Customer Relationship Management

- Build robust, long-term relationships with customers to ensure retention and repeat business

- Provide advisory support to customers on loan products and financial needs

- Handle customer queries, complaints,



and service requests effectively

(Derived from CRM and customer handling responsibilities across profiles)

4. Gold Custody & Operational Support

- Support branch in gold packet handling, tagging, and safe custody processes

- Ensure proper documentation and audit trail for pledged gold

- Assist in reconciliation activities under guidance of branch operations

5. Compliance & Risk Adherence

- Ensure adherence to KYC norms, internal policies, and regulatory guidelines during loan processing

- Maintain vigilance against fraud and deviations in gold appraisal or documentation

- Support audit requirements including documentation verification and data readiness

6. Market Intelligence & Local Outreach

- Monitor local competition, gold rates, and customer trends in the catchment area

- Build relationships with local connectors (jewelers, agents, influencers) to drive sourcing

- Participate in branch-level campaigns and promotional activities

Key Skills & Competencies

(Consolidated across all 3 profiles)

- Gold loan operations & appraisal basics

- Sales orientation & target achievement

- Customer relationship management (CRM)

- KYC & documentation handling

- Cash handling & basic operational processes

- Communication & interpersonal skills

- Basic MS Excel / computer skills
Role & responsibilities

📌 Sales Manager (Chengalpattu)
🏢 SKILLVENTORY
📍 Chengalpattu