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 solid recovery
mechanisms and fraud prevention
• Ensure adherence to gold appraisal standards, KYC, and audit compl

📌 Regional Sales Manager (Thane)
🏢 Tata Capital
📍 Thane