Job Title: State Head - Gold Loan

Department:  Gold Loan

Experience: Minimum 10 years of experience in gold loan sales within BFSI / NBFC industry.

Job Purpose :

The State Head – Gold Loan is responsible for driving gold loan business growth across multiple channels within the assigned state. This includes identifying high-potential locations, expanding distribution networks beyond branch banking, and leading a team of dedicated sales professionals. The role demands strategic planning, operational excellence, and a strong focus on customer experience and portfolio quality.

Roles & Responsibilities:

·         Identify branches and potential locations for gold loan business through market surveys and competitive analysis of NBFCs and banks.

·         Expand distribution channels by identifying and activating non-branch avenues for gold loan acquisition.

·         Recruit and manage dedicated gold loan personnel, including Gold Loan Officers, Territory Managers, and Area Sales Managers.

·         Ensure timely renewals of gold loan customers to retain and grow the customer base.

·         Maintain strong relationships with valuers and valuation agencies, ensuring timely rotation and compliance.

·         Train gold loan officers on fraud detection and identification of counterfeit ornaments.

·         Ensure adherence to internal compliance and regulatory frameworks across all operations.