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

2. 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

3. 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

4. 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 

5. 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

6. 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

7. 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