Achieve monthly Gold Loan disbursement, AUM and revenue targets.
Generate recent business through NTB/ETB customers, branch referrals, DSAs and local market sourcing.
Develop and maintain relationships with branch teams, DSAs, channel partners and customers.
Drive customer acquisition through field visits, lead generation, local marketing and referrals.
Promote gold loan products to existing liability and retail banking customers.
Ensure timely renewals, top-ups and repeat business from existing customers.
Coordinate with gold valuers/valuation agencies and ensure adherence to valuation norms.
Monitor pending cases and ensure smooth processing and timely disbursement.
Maintain healthy portfolio quality and support collections and repayment follow-ups.
Ensure adherence to KYC, documentation, fraud-prevention, compliance and internal lending policies.
Identify potential fraud and ensure proper verification of customer and collateral-related documentation.
Conduct regular market and competitor analysis to identify current business opportunities.
Track daily/weekly sales performance and prepare MIS reports.
Work closely with Operations, Credit, Collections and Branch teams for smooth customer servicing.
Travel extensively within the assigned territory for business development and customer acquisition.