- Industry: #Industry#
- Role: #Role#
- Years of experience: #Years of experience#
Job Brief:- AU Small Finance Bank Limited is seeking a dynamic and experienced skilled to lead and manage the gold loan sales portfolio within the Sales department. The role demands a strategic thinker with a deep understanding of the financial services industry, 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 products. This position requires strong leadership, analytical skills, and the ability to collaborate across multiple teams to achieve business objectives and maintain the bank's competitive edge in the market.
Responsibilities:-
- Develop and implement strategic sales plans to achieve business growth targets for gold loan products.
- Manage and oversee the entire gold loan portfolio, ensuring optimal asset quality and risk management.
- Lead and mentor the sales team to enhance their performance and achieve individual and team targets.
- Establish and maintain strong relationships with customers, ensuring high levels of customer satisfaction and retention.
- Coordinate with credit, operations,
and compliance teams to ensure adherence to regulatory guidelines and internal policies.
- Analyze market trends, competitor activities, and customer feedback to identify opportunities for product enhancement and market expansion.
- Prepare and present regular reports on sales performance, portfolio quality, and market insights to senior management.
- Drive initiatives to improve operational efficiency and reduce turnaround time for loan disbursal.
- Collaborate with marketing teams to design and execute promotional campaigns tailored to the gold loan segment.
- Ensure timely resolution of customer grievances and implement corrective measures to prevent recurrence.
Skill:-
- Gold Loan Product Knowledge
- Sales Strategy Development
- Risk Assessment and Management
- Customer Relationship Management (CRM)
- Regulatory Compliance in Financial Services
- Team Leadership and Development
- Market Analysis and Competitive Intelligence
- Financial Reporting and Data Analysis
- Negotiation and Persuasion
- Operational Efficiency Improvement
- Cross-functional Collaboration
- Customer Grievance Redressal
Preferred Qualifications:-
- Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum of 5 years of experience in sales management within the financial services sector, with a focus on secured lending products such as gold loans.