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)