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Head

Regional Head

IDFC FIRST Bank Limited·Posted 3 weeks ago

Location

All India, Asansol

Experience

8–12 years

Required Skills

Strategic thinkingMarket analysisTeam managementCustomer acquisitionCommunicationStakeholder managementFraud preventionComplianceIntegrityPortfolio oversightGold loan products knowledgeValuation processesCustomercentric service delivery

About the Role

As a Regional Head - Gold Loan at the Retail Banking department of the company, your role involves driving the growth and expansion of the gold loan business across multiple regions in India. Your responsibilities include identifying high-potential locations, expanding distribution channels, recruiting and managing dedicated sales teams, and ensuring portfolio quality and profitability. You will also play a crucial role in compliance, customer experience, and team leadership.

Key Responsibilities: - Identify branches and potential locations for gold loan business through market surveys and competitive mapping of NBFCs and banks. - Expand distribution channels to increase reach and customer acquisition. - Ensure Gold Loan Officer (GLO) / Branch productivity and achieve renewals on eligible customers.

  • • Recruit and manage dedicated gold loan personnel and ensure presence in all branches.

  • • Grow the Assets Under Management (AUM) for gold loan products while meeting revenue, cost, profitability, and portfolio quality targets.

  • • Collaborate with the Product Head Business Loan to offer funding solutions and ensure appropriate incentives.

  • • Maintain strong relationships with valuers and valuation agencies, ensuring compliance.

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

  • • Design a seamless customer journey to enhance satisfaction and position the company as the preferred banking partner.

  • • Drive conversion of gold loan Digital Leads sourced from partner platforms.

  • • Ensure adherence to internal compliance and regulatory frameworks.

    • Qualifications Required: - Graduation: Full time graduate in any discipline from a recognised institution.

  • • Minimum of 10+ years of proven experience in retail banking, preferably in gold loan or asset-based lending within BFSI industry.

  • • Strategic thinking, strong leadership, excellent communication, and commitment to compliance and customer-centric service delivery are essential skills and attributes for this role. As a Regional Head - Gold Loan at the Retail Banking department of the company, your role involves driving the growth and expansion of the gold loan business across multiple regions in India. Your responsibilities include identifying high-potential locations, expanding distribution channels, recruiting and managing dedicated sales teams, and ensuring portfolio quality and profitability. You will also play a crucial role in compliance, customer experience, and team leadership.

    • Key Responsibilities: - Identify branches and potential locations for gold loan business through market surveys and competitive mapping of NBFCs and banks.

  • • Expand distribution channels to increase reach and customer acquisition.

  • • Ensure Gold Loan Officer (GLO) / Branch productivity and achieve renewals on eligible customers.

  • • Recruit and manage dedicated gold loan personnel and ensure presence in all branches.

  • • Grow the Assets Under Management (AUM) for gold loan products while meeting revenue, cost, profitability, and portfolio quality targets.

  • • Collaborate with the Product Head Business Loan to offer funding solutions and ensure appropriate incentives.

  • • Maintain strong relationships with valuers and valuation agencies, ensuring compliance.

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

  • • Design a seamless customer journey to enhance satisfaction and position the company as the preferred banking partner.

  • • Drive conversion of gold loan Digital Leads sourced from partner platforms.

  • • Ensure adherence to internal compliance and regulatory frameworks.

    • Qualifications Required:

  • • Graduation: Full time graduate in any discipline from a recognised institution.

  • • Minimum of 10+ years of proven experience in retail banking, preferably in gold loan or asset-based lending within BFSI industry.

  • • Strategic thinking, strong leadership, excellent communication, and commitment to compliance and customer-centric service delivery are essential skills and attributes for this role.

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