Retail Assets

Department
- Retail Assets - Gold Loan
- Job posted on
- Jul 19, 2023
- Employee Type
- Permanent-Sales Vertical
- Experience range (Years)
- 1 year - 3 years

**Group Company**: HDFC Bank Limited

**Designation**: Retail Assets - Gold Loan - Sales officer

**Position description**:
Responsible for sourcing business for the Gold Loan team

**Primary Responsibilities**:

- Sourcing Business
- Solely responsible to source business through open market
- Need to create database of potential customers using lead generation tools
- Will work in catchment area and seek out new sales opportunities for driving revenue
- Relationship with customers:

- Sales Officer need to build and develop good relation with customer’s and cater their gold loan needs according the requirement
- Need to sustain long-lasting relations with customers to focus more renewals of loan.
- Promotional Activities:

- Need to generate more business for team by conducting promotional activities like distribution of leaflet, canopy activity, ATM activities
- Need to conduct activities in residential & industrial places to create awareness of Gold loan amongst people.
- Cross Selling:

- Login FTR files at Local Ops/RAOPS
- Follow up with the Local Ops/RAOPS and ensure all cases are disbursed timely and not screwed towards the end of the month.

**Additional Responsibilities**:

- Processing Rights:

- Will be having rights of maker in LOS and has to initiate transaction in the system
- Sales officer will be signatory to the documents pertaining to the loan and mandatory presence is required during the processing of loan
- He is also construed as a pseudo custodian for the entire transaction
- Need to ensure all KYC copies are checked with originals and signed OSV, if required need to collect documents from customer’s residence as per policy requirement

**Educational qualifications preferred**
- **Category**: Bachelor's Degree, Master's Degree
- **Academic score**: 50% +

**Required work experience**
- **Industry**: BFSI
- **Role**: Sales
- **Years of experience**: 1 to 3

**Required Knowledge**:
Work experience in the profile

**Required Skills**:

- Good Team spirit
- Inter personal skill
- Time / Team Management
- Good communication skill

**Other**:

- Reporting Designation: Sales Manager - GL
- Reporting Department-Sub BU: Retail Assets - Gold Loan

**Specific requirements**
- **Travel**: Customer Visits

**Other details**
- **Contract Types**: PERMANENT