Regional Sales Manager-LOANS AGAINST GOLD- Marketing Branches Operations
Kotak Mahindra Bank
5 - 10 years
Mumbai
Posted: 02/05/2025
Job Description
Regional Sales Manager -Loans Against Gold-Marketing Branches Operations
Job Title: Regional Sales Manager – Gold Loans
Department: Retail Lending / Gold Loans
Reporting To: Zonal Sales Head / National Sales Head
Job Purpose:
To drive gold loan business growth in the assigned region by managing sales teams, developing and executing regional strategies, achieving targets, and ensuring operational compliance.
Key Responsibilities:
Sales & Business Development:
Achieve monthly, quarterly, and annual sales targets for gold loans.
Identify and develop new markets and customer segments.
Increase branch productivity and loan portfolio in the region.
Team Management:
Lead and motivate a team of Area Sales Managers and field executives.
Conduct regular performance reviews and provide training/coaching.
Channel Management:
Drive business through multiple channels: branches, DSAs, and digital.
Build strong relationships with partners and stakeholders.
Market Analysis:
Monitor competitor activity, pricing, and market trends.
Recommend strategic actions to maintain a competitive edge.
Compliance & Risk Management:
Ensure adherence to company policies, KYC norms, and audit requirements.
Mitigate risks associated with gold appraisal and loan disbursement.
Customer Service:
Promote high levels of customer satisfaction and retention.
Resolve escalated customer issues promptly.
Key Skills & Competencies:
Proven experience in gold loan or secured lending products.
Strong leadership, communication, and negotiation skills.
Knowledge of regional market dynamics.
Understanding of gold valuation and lending norms.
Analytical mindset with ability to drive performance.
Qualifications:
Graduation/Post-Graduation in any discipline (MBA preferred).
8–12 years of relevant experience in sales, especially in gold loan operations.
About Company
Kotak Mahindra Bank is one of India's leading private sector banks, offering a wide range of financial services including personal banking, corporate banking, investment banking, insurance, and asset management. Established in 1985 and headquartered in Mumbai, it is known for its innovative banking solutions, customer-centric approach, and strong focus on digital transformation. The bank caters to diverse customer segments, from individuals to large corporations, emphasizing trust, transparency, and growth.
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