Regional Sales Manager - Gold Loan - Sales - Mumbai - Lodha (I-Think Techno Campus) - 2nd Floor - (M4-M6)

Role Purpose To drive regional growth of the Gold Loan business by leading multi-branch sales operations, delivering portfolio expansion, ensuring portfolio quality, and building a high-performance sales ecosystem across the region. ________________________________________ Key Responsibilities

1. Business Growth & Revenue Delivery

• Own and deliver regional AUM growth, disbursement targets, and revenue objectives across assigned geography • Drive month-on-month and year-on-year growth in Gold Loan portfolio through structured sales planning • Lead strategic initiatives to increase market share, customer acquisition, and branch productivity • Identify high-potential markets and lead branch expansion & ramp-up strategy ________________________________________

1. Sales Strategy & Execution

• Design and execute regional sales strategy, including campaigns, local activations, and festival-led sourcing programs • Implement pricing, sourcing, and channel strategies to maximize yield and volume • Drive cross-sell of allied products (Insurance, SME loans, etc.) to enhance revenue per customer ________________________________________

1. Team Leadership & Capability Building

• Lead a team of Cluster Managers / Area Managers / Branch Managers across the region • Drive performance management, productivity enhancement, and incentive structures • Conduct regular reviews, training, and coaching to enhance selling capability and branch efficiency • Build a high-performance culture with strong accountability and ownership ________________________________________

1. Branch & Channel Management

• Oversee functioning of multiple branches/territories, ensuring alignment with business objectives • Drive branch-level execution excellence, covering sourcing, conversion, and customer experience • Support new branch launches and ensure early profitability and scale-up ________________________________________

1. Portfolio Quality & Risk Management

• Monitor portfolio health parameters (LTV, NPA, delinquency, overdue trends) • Partner with collections and risk teams to ensure strong recovery mechanisms and fraud prevention • Ensure adherence to gold appraisal standards, KYC, and audit compliance norms ________________________________________

1. MIS, Analytics & Performance Tracking

• Drive decision-making through data analytics, MIS dashboards, and forecasting models • Track key KPIs: AUM growth, disbursement productivity, ticket size, yield, cost ratio • Use insights to refine regional strategy and performance improvement plans ________________________________________

1. Stakeholder & Cross-functional Collaboration

• Collaborate with Product, Credit, Risk, Ops, Marketing, and Collections teams • Provide market feedback for product design, pricing, and process improvements • Align with central teams on technology adoption, digital onboarding, and process automation ________________________________________ Educational Qualification • Graduate (MBA / PGDM preferred – Finance / Marketing) • Certifications in Gold Appraisal / Risk / Banking preferred