Core Roles &

- Responsibilities

- Sales &
- Portfolio Growth:

- Lead the branch team to meet monthly, quarterly, and annual gold loan disbursement targets.

- Plan local marketing, canopy activities, and customer outreach to acquire Current-To-Bank (NTB) customers.

- Grow the total branch tonnage (weight of gold pledged) and improve interest yield.

- Asset Valuation &

- Risk Control:

- Oversee the gold appraisal process to ensure zero acceptance of spurious, low-karat, or fake gold ornaments.

- Maintain strict adherence to the Loan-to-Value (LTV) caps prescribed by the RBI and internal policies.

- Enforce dual-control vault protocols for safe storage, daily verification, and physical auditing of pledged gold.

- Collections &

- NPA Management:

- Track monthly interest collections and ensure regular payment cycles from borrowers.

- Manage delinquent accounts and coordinate recovery efforts to keep Non-Performing Assets (NPAs) at a minimum.





- Initiate and oversee the auction process for long-overdue accounts following legal and regulatory steps.

- Operations &

- Compliance:

- Supervise day-to-day branch administrative operations and customer service delivery.

- Ensure 100% compliance with Know Your Customer (KYC) norms, Anti-Money Laundering (AML) standards, and RBI guidelines.

- Maintain readiness for sudden internal and external audits, resolving discrepancies immediately.

- Team Leadership:

- Manage, train, and review the performance of Gold Valuers, Sales Officers, and Customer Service Executives.

- Foster a high-performance culture while ensuring absolute integrity and zero tolerance for internal fraud.

Pay: ₹400,000.00 - ₹600,000.00 per year

Benefits

- Cell phone reimbursement

- Health insurance

- Life insurance

- Provident Fund

Work Location: In person

📌 Sales Manager || Gold Loan Sales || Upto 5 LPA (Afzalpur)
🏢 O3Hire
📍 Afzalpur