Territory Manager - Gold Loan

As a key member of the team, your primary responsibility will be to coordinate with the branch sales team and support Branch Sales Managers (BSM) and Sales Managers (SMs) in converting leads effectively. This will involve tele-calling and following up on leads provided by the sales team and Corporate office. Additionally, you will be required to engage with customers who visit the branch, explain product details, and recommend suitable schemes based on a thorough needs analysis. A crucial aspect of your role will be to conduct self gold valuations, inform customers about the gold loan amount, and manage the external gold valuation process by liaising with valuators to ensure a smooth and accurate assessment. You will also be responsible for updating valuation details in the system, including the Gold portal and loan booking system, to maintain accurate records. Ensuring that loan processing is completed within the stipulated Turn Around Time (TAT) will be a key focus area. You will need to diligently follow up with delinquent customers to prevent them from exceeding the 30 Days Past Due (DPD) bucket and maintain timely interest collection practices. Managing the gold loan file disbursal in the system and maintaining custody of gold packets in the office according to the prescribed procedures will be essential tasks. Moreover, you will be required to arrange for sending complete files to the Centralized Operations (COPS) team as per the established process and handle related Management Information System (MIS) requirements. Collaborating with COPS and regional teams as necessary and providing customer support and service as needed will also be part of your responsibilities. To excel in this role, you should have experience in sales process management within the FMCG or direct sales industry and a strong understanding of the gold loan process. Proficiency in Know Your Customer (KYC) norms, sales processes, gold loan sales processes, and Below The Line (BTL) marketing processes will be crucial. Additionally, having sound knowledge of the product and market competition will be beneficial in effectively fulfilling your responsibilities.,