- Department: Retail Assets / Secured Loans (Gold Loan Division)

- Reporting To: Branch Manager / Area Sales Manager

- Job Type: Full-Time

Job PurposeTo drive customer acquisition, generate recent business leads, and meet monthly disbursement and revenue targets for gold loan products. The role involves open-market sourcing, field visits, customer education on gold loan schemes, and maintaining portfolio quality while strictly adhering to regulatory guidelines (RBI).

Key Responsibilities &

- Duties

- Lead Generation &
- Sourcing:

- Identify potential customers through field visits, local market campaigns, door-to-door/direct marketing, and business references.

- Build and maintain a network of local channel partners, Direct Sales Associates (DSAs), Business Correspondents (BCs), and local jewelers.

- Source New-To-Bank (NTB) customers as well as tap Existing-To-Bank (ETB) portfolio pools.

- Customer Advisory &

- Pitching:

- Explain gold loan schemes, interest rates, tenure options, valuation processes,



and repayment terms clearly to prospective borrowers.

- Coordinate with internal branch staff (Operations, Cashiers, and Appraisers/Auditors) for smooth customer onboarding and quick loan disbursement.

- Target Achievement:

- Consistently achieve monthly and quarterly targets for number of accounts and total disbursement volume (₹ value).

- Drive cross-selling of ancillary banking or financial products where applicable.

- Collection &

- Portfolio Quality:

- Assist in soft recovery and follow-ups for early-bucket delinquency cases (e.g., 0–90 Days Past Due / DPD).

- Ensure compliance with KYC (Know Your Customer) norms, valuation protocols, and RBI compliance standards to prevent fraud

Pay: ₹400,000.00 - ₹500,000.00 per year

Benefits

- Cell phone reimbursement

- Health insurance

- Life insurance

- Provident Fund

Work Location: In person

📌 Urgent Hiring || Gold Loan Sales || Nagpur
🏢 O3Hire
📍 Nagpur