Job Description:

Sales & Business Development

- Achieve Gold Loan disbursement and revenue targets for the assigned cluster.
- Develop and execute sales strategies to increase market share and business penetration.
- Identify new business opportunities and local market trends to drive growth.
- Monitor branch-wise performance and take corrective actions to achieve targets.
- Conduct customer outreach activities, promotional campaigns, and referral programs.

Team Management
- Lead, motivate, and manage Branch Managers, Relationship Managers, and Sales Executives within the cluster.
- Set performance goals and monitor individual and branch productivity.
- Conduct regular training and coaching sessions on sales techniques, products, and compliance requirements.
- Ensure optimum manpower utilization and staff productivity.

Portfolio & Risk Management
- Monitor portfolio quality and ensure adherence to credit and operational guidelines.




- Minimize delinquency, fraud, and operational risks.
- Ensure proper valuation, custody, and handling of pledged gold as per company policies.
- Coordinate with operations and audit teams to maintain process compliance.

Customer Relationship Management
- Build and maintain solid relationships with customers and business partners.
- Ensure prompt resolution of customer grievances and service issues.
- Enhance customer satisfaction and retention through quality service delivery.

Branch Operations & Compliance
- Ensure branches comply with internal policies, regulatory requirements, and audit standards.
- Monitor branch operational efficiency and process adherence.
- Ensure timely submission of business reports, MIS, and performance reviews.

📌 Cluster Sales Manager - Gold Loan (Mumbai)
🏢 equitas small finance bank
📍 Mumbai