Branch Executive

• *SALES OFFICER — JOB DESCRIPTION**

• *Position: Sales Officer — Gold Finance**

• *Reports To:** Branch Manager / Assistant Branch Manager

• *Supervises:** N/A — Individual Contributor

• *Location:** Branch\-based with active field duty — local market coverage, doorstep visits, and lead follow\-up in the branch catchment area

• *ROLE SUMMARY**

The Sales Officer is the frontline growth engine of the KGF branch — responsible for generating new gold loan customers, converting leads, driving disbursement volumes, and deepening relationships with existing customers for renewals and top\-ups. The SO operates both at the counter and in the field — visiting markets, households, and business establishments to create awareness and acquire customers. The role demands a proactive, self\-driven personality with strong local market knowledge, persuasion skills, and a genuine ability to build lasting customer trust on behalf of the KGF brand.

• *KEY RESPONSIBILITIES**

• *A. Lead Generation \& New Customer Acquisition**

• Generate new gold loan leads through field visits — markets, residential areas, commercial hubs — within the branch catchment.
• Conduct door\-to\-door campaigns and community events to build brand awareness and attract first\-time gold loan customers.
• Identify and target key customer segments — micro\-entrepreneurs, traders, farmers, homemakers, and self\-employed individuals.
• Build and maintain a personal lead pipeline — minimum lead targets to be met weekly as set by BM.
• Follow up on all assigned leads from the telecalling team within 24 hours — no lead left uncontacted beyond one business day.
• Collect customer references from every satisfied borrower and convert referrals into active loan accounts.
• Track lead\-to\-disbursement conversion rate; identify drop\-off points and report to BM with corrective action plan.

• *B. Disbursement Target Achievement**

• Own individual monthly disbursement target — plan weekly activity to ensure on\-track achievement at all times.
• Coordinate with counter staff and ABM to ensure customer brought to branch is processed and disbursed same day.
• Drive renewal disbursements — proactively contact customers whose loans are due for renewal before the loan expiry date.
• Promote top\-up loans to customers with good repayment history — identify eligible accounts from ABM\-shared list.
• Submit daily disbursement activity report to BM — leads met, customers visited, disbursements achieved, pipeline for tomorrow.
• Participate in morning briefing with full knowledge of the day's target and plan of action.

• *C. Field Activity \& Market Coverage**

• Execute daily field beat plan — minimum number of customer visits and prospect contacts as set by BM.
• Cover assigned micro\-market zones systematically — no repeated coverage of same area while leaving other zones unvisited.
• Attend local events, mandis, weekly markets, and business associations to represent KGF and generate walk\-in traffic.
• Identify new business hubs, growth corridors, and underserved pockets within the catchment; report to BM for territory planning.
• Distribute KGF marketing material — brochures, rate cards, scheme flyers — during field visits and community outreach.
• Maintain a field visit log — customer name, location, purpose, outcome, and follow\-up date — submitted daily to BM.

• *D. Customer Relationship Management**

• Build strong, trust\-based relationships with existing customers — visit personally at loan renewal and overdue milestones.
• Educate customers on KGF gold loan products, interest rates, schemes, and repayment options — accurate information only.
• Handle customer queries and concerns in the field; escalate unresolved issues to BM without delay.
• Maintain customer contact details updated in the system — phone number, address, and alternate contact verified at every interaction.
• Support ABM in collecting overdue amounts from field customers — soft follow\-up visits and negotiated repayment commitments.
• Ensure every customer leaves with a positive KGF experience — conduct, language, and professionalism at all times.

• *E. Collections Support**

• Assist ABM in overdue recovery — visit 30\-day and 60\-day bucket customers in the field for soft collection follow\-up.
• Communicate repayment reminders to customers approaching due dates — calls and field visits as directed by ABM.
• Collect overdue amounts from field customers where authorised by BM; deposit collected cash to branch cashier same day without exception.
• Never retain any collected cash overnight — any deviation treated as a serious compliance breach.
• Report field customer feedback on repayment difficulty or gold valuation concerns to ABM for resolution.

• *F. Documentation \& Compliance**

• Assist customers in completing KYC documentation at the field stage — check completeness before bringing to branch.
• Never promise interest rates, LTV ratios, or loan amounts not sanctioned by KGF credit policy — refer to published scheme cards.
• Comply with KGF code of conduct during all field visits — no soliciting of gifts, commissions, or personal favours from customers.
• Report any competitor activity, fraudulent gold pledging attempts, or suspicious customer behaviour to BM immediately.
• Maintain accurate and honest reporting of field activity — fabricated visit logs treated as gross misconduct.

• *G. Reporting \& MIS**

• Submit end\-of\-day field activity report to BM — visits completed, leads generated, disbursements supported, next\-day plan.
• Maintain personal lead tracker — source, contact details, loan requirement, status, and follow\-up schedule.
• Attend weekly performance review with BM — present lead pipeline, conversion status, and reasons for gaps.
• Contribute to branch monthly business plan — provide bottom\-up lead and disbursement forecast for SO territory.

• *ELIGIBILITY \& QUALIFICATIONS**

• Graduate in any discipline — B.Com / BBA preferred; HSC with strong field experience also considered.
• 1–4 years of field sales experience in NBFC, gold loan, microfinance, insurance, or banking sector.
• Freshers with strong communication skills, local market knowledge, and self\-motivation considered for trainee roles.
• Working knowledge of gold loan products, interest calculation, and KYC norms preferred.
• Strong Tamil communication — ability to converse confidently with diverse customer profiles in the local market.
• Two\-wheeler licence and own vehicle mandatory — daily field coverage across branch catchment required.
• Mobile proficiency — lead tracking app, WhatsApp business communication, and basic MIS reporting.

• *KEY SKILLS \& COMPETENCIES**

• Field sales and prospecting **Customer acquisition and lead conversion**
• Local market and community knowledge **Persuasion and objection handling**
• Gold loan product knowledge **Relationship building and retention**
• Time management and beat planning **Reporting discipline and data accuracy**

• *KEY PERFORMANCE INDICATORS**

• **Monthly disbursement target —** % of individual target achieved — primary performance metric.
• **New customer acquisition —** number of first\-time borrowers onboarded per month.
• **Lead conversion rate —** % of generated leads converted to disbursed loans.
• **Renewal conversion —** % of due\-for\-renewal accounts converted before loan expiry.
• **Referral generation —** number of active referrals collected and converted per month.
• **Field visit compliance —** daily beat plan completion — visits logged vs target.
• **Collections support —** % of assigned overdue accounts contacted and followed up in the month.
• **Documentation accuracy —** % of customer files brought to branch with complete KYC — zero rejection rate at counter.

• *COMPENSATION \& BENEFITS**

• Salary: As per company norms — commensurate with experience and market.
• Performance incentive: Monthly payout linked to disbursement achievement and new customer acquisition — uncapped for top performers.
• Field allowance: Travel reimbursement as per KGF field staff policy.
• EPF \& ESI: As per statutory norms.
• Annual increment: Based on performance appraisal.
• Career progression: High\-performing Sales Officers considered for Senior Sales Officer and Assistant Branch Manager roles.

Pay: ₹15,000\.00 \- ₹20,000\.00 per month

Benefits

• Flexible schedule
• Health insurance
• Life insurance
• Paid sick time
• Provident Fund

Work Location: In person