Sales Manager - Gold Loan - Sales - Pune - Avaanti Residences & Premium Commercial Spaces - (M1-M3)

Role Purpose

To drive acquisition, servicing, and portfolio growth for the Gold Loan business by delivering a superior customer experience, ensuring accurate gold appraisal and loan processing, and maintaining strong customer relationships while adhering to compliance and operational standards.

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Key Responsibilities

1. Business Acquisition & Portfolio Growth

•    Source new gold loan customers through branch walk-ins, local market outreach, and referrals

•    Achieve monthly disbursement and revenue targets for gold loan products

•    Identify cross-sell/up-sell opportunities (insurance, other loan products, etc.)

•    Build and manage a healthy customer pipeline within the branch catchment

(Aligned from profiles handling sales, customer acquisition, and relationship management)

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2. Gold Loan Processing & Disbursement

•    Conduct preliminary gold appraisal/valuation and coordinate with appraisers where applicable

•    Process gold loan applications including documentation, KYC verification, and eligibility checks

•    Ensure accurate loan booking, disbursement, renewal, and closure within defined TAT

•    Maintain high accuracy in documentation and system entries

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3. Customer Relationship Management

•    Build strong, long-term relationships with customers to ensure retention and repeat business

•    Provide advisory support to customers on loan products and financial needs

•    Handle customer queries, complaints, and service requests effectively

(Derived from CRM and customer handling responsibilities across profiles) 

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4. Gold Custody & Operational Support

•    Support branch in gold packet handling, tagging, and safe custody processes

•    Ensure proper documentation and audit trail for pledged gold

•    Assist in reconciliation activities under guidance of branch operations

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5. Compliance & Risk Adherence

•    Ensure adherence to KYC norms, internal policies, and regulatory guidelines during loan processing 

•    Maintain vigilance against fraud and deviations in gold appraisal or documentation

•    Support audit requirements including documentation verification and data readiness

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6. Market Intelligence & Local Outreach

•    Monitor local competition, gold rates, and customer trends in the catchment area

•    Build relationships with local connectors (jewelers, agents, influencers) to drive sourcing

•    Participate in branch-level campaigns and promotional activities

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Key Skills & Competencies

(Consolidated across all 3 profiles)

•    Gold loan operations & appraisal basics

•    Sales orientation & target achievement

•    Customer relationship management (CRM)

•    KYC & documentation handling 

•    Cash handling & basic operational processes

•    Communication & interpersonal skills

•    Basic MS Excel / computer skills

Qualification

•    Graduate (B.Com / BBA / BCA / BA preferred) 

•    Certification in gold appraisal (preferred but not mandatory)