IDFC FIRST Bank

If you are an experienced banking or NBFC professional looking to lead and grow a profitable gold loan portfolio, this Sales Manager – Gold Loan position in Jalore, Rajasthan with IDFC FIRST Bank is a strong next step in your career.

Job Overview

Job Title: Sales Manager – Gold Loan (Area role)
Location: Jalore, Rajasthan, India
Category: Others
Req ID: P-193052
Employer: IDFC FIRST Bank
Application Link: https://careers.idfcfirstbank.com/in/en/job/P-193052/Sales-Manager-Gold-Loan

In this role, you will scale up the Gold Loan business and distribution for your designated geography while ensuring that customers receive seamless and technology‑enabled banking services. You will partner with cross‑functional teams so that IDFC FIRST Bank becomes the primary bank for your customers’ lending and transactional needs.

Key Responsibilities

Primary Responsibilities

As Sales Manager – Gold Loan, your core responsibilities include:

Identifying branches and potential locations for Gold Loan business through market surveys, competition mapping (NBFCs and banks), and volume analysis.
Expanding distribution channels by adding non‑branch avenues for Gold Loan sales.
Achieving a minimum Gold Loan productivity of ₹40 lacs per month on new business and maintaining at least 80% regeneration on eligible customers.
Recruiting and managing dedicated Gold Loan manpower (Gold Loan Officers / Territory Managers) to drive customer acquisition and business growth.
Growing the Gold Loan AUM base while meeting revenue, cost, profitability and portfolio‑quality targets.
Working with the Business Loan Product Head to offer best‑in‑class funding and multi‑funding solutions, and ensuring suitable incentives for key DSTs.
Driving timely renewals of Gold Loan accounts to retain and deepen existing relationships.
Building strong, trust‑based relationships with valuers and valuation agencies.
Training Gold Loan officers on fraud risks and fraud‑prevention best practices.
Designing an end‑to‑end customer journey that leads to high satisfaction and loyalty.
Ensuring robust implementation of internal compliance and regulatory frameworks at all touchpoints.

Secondary Responsibilities

You will also be expected to:

Recommend process changes that improve service efficiency and service quality in your area.
Suggest improvements to Retail Banking processes and policies to enhance operational efficiency and customer satisfaction.
Leverage in‑house synergies by collaborating with internal stakeholders across functions.

Team Leadership & People Management

This is a front‑line leadership role where you build and manage a high‑performing Gold Loan sales team.

Attract, hire and retain best‑in‑class talent for key roles within your reporting structure.
Motivate, coach and mentor your team to achieve business targets while keeping attrition under control.
Build a performance‑oriented culture that focuses on compliance, customer centricity and portfolio quality.

Example: You might hire a cluster of Gold Loan Officers for different micro‑markets in Jalore, set clear productivity benchmarks, review activity metrics weekly, and run training on fraud control and valuation norms to protect the portfolio.

Qualifications, Experience and Skills

Educational Qualifications

Graduate degree: Any discipline accepted.
Post‑graduate degree: Any discipline accepted (preferred, not mandatory).

There is no specific professional certification required, but knowledge of lending products and gold loan operations is advantageous.careers.idfcfirstbank+1

Experience

Total Experience: 5 to 8 years.
Industry: BFSI (Banking, Financial Services and Insurance), preferably with exposure to retail lending products such as Gold Loans, Personal Loans or Business Loans.

Core Skills

Gold Loan / retail lending product knowledge.
Sales management and business development in BFSI.
Customer acquisition and relationship management.
Distribution expansion (branch and non‑branch channels).
Fraud risk awareness and compliance orientation.
Team management and performance coaching.

Key Performance Metrics

Your performance as Sales Manager – Gold Loan will be measured on:

Increased overall profitability of the Gold Loan business for your area.
Growth in Assets Under Management (AUM) for Gold Loan portfolios.
Improved portfolio quality (low delinquency and NPAs).
Higher total number of active customers.
Increased number of new customer acquisitions and repeat renewals.

These metrics reward both growth and quality, so you are expected to balance aggressive sourcing with prudent risk and compliance.

How to Apply : Sales Manager – Gold Loan | IDFC FIRST Bank | Jalore

To apply for the Sales Manager – Gold Loan position in Jalore, follow these steps:

Click the official application link:
https://careers.idfcfirstbank.com/in/en/job/P-193052/Sales-Manager-Gold-Loan
Review the full job description and eligibility criteria on the employer’s site.
Create or log in to your candidate account with IDFC FIRST Bank, fill in your details and upload your latest CV.
Submit your application and track updates through the employer’s portal.

GrowInJob.com’s Notes

This Sales Manager – Gold Loan role in Jalore, Rajasthan is a strong opportunity if you want to own and grow a profitable gold‑loan portfolio for a leading Indian bank while working in a defined regional market. It combines frontline sales leadership, portfolio growth, risk‑aware underwriting, fraud control and customer‑experience design in a fast‑growing retail lending segment.

Compared to smaller NBFCs or single‑branch roles, this position with IDFC FIRST Bank typically offers more structured processes, stronger technology support and better collaboration with product, operations and liability teams, which can significantly boost your long‑term profile as a retail lending and gold‑loan specialist. If you are already handling gold‑loan or secured lending in Rajasthan and now want a wider area mandate with team‑handling responsibility, this role aligns well with that next step.

The official IDFC FIRST Bank careers page does not mention a last date for this Sales Manager – Gold Loan vacancy in Jalore, Rajasthan. As of our latest check, the job is open for applications, but candidates should apply as early as possible and re‑confirm the current status on the bank’s careers portal before applying.

The official job posting does not disclose the exact salary for this Sales Manager – Gold Loan role at IDFC FIRST Bank. Third‑party salary data for Sales Manager positions in India suggests average annual pay in the mid single‑digit lakh range, but actual CTC can vary significantly by location, experience and internal grade, so candidates should treat any external salary figures as indicative only and rely on the bank’s official communication for accurate, up‑to‑date details.

Why This Role Is Attractive

Opportunity to own and scale a complete Gold Loan business for the Jalore region under a leading Indian bank.
Strong focus on technology‑enabled, cost‑efficient lending and a rewarding, customer‑centric journey.
Leadership exposure through team building, cross‑functional coordination and strategic distribution expansion.

For professionals in Rajasthan with solid BFSI experience, this role offers a blend of sales leadership, portfolio ownership and regional market development.

Who Should Apply?

This IDFC FIRST Bank opportunity is ideal for:

Banking and NBFC professionals with 5–8 years of experience in BFSI, especially in retail lending, gold loans or branch banking with strong sales exposure.
Candidates who have already handled targets in terms of AUM, disbursements, portfolio quality and customer acquisition in retail assets.
Professionals comfortable leading and coaching a field team (Gold Loan Officers / Territory Managers), driving productivity, managing attrition and enforcing compliance.
Individuals with good knowledge of the local Jalore and surrounding markets, including customer profiles, competition (NBFCs and banks) and potential gold‑loan catchment areas.
Candidates who enjoy a mix of field work, branch interactions, relationship building with valuers and channel partners, and close coordination with product and operations teams.

If you are proactive, target‑driven, comfortable with data and MIS, and willing to take ownership of both growth and portfolio quality, you are likely to perform well in this role.

Preparation & Application Strategy

Use the points below to strengthen your application before applying through the official link.

1. Strengthen Your CV

Clearly highlight your experience in gold loans, retail loans or other secured lending products, mentioning business volumes, ticket sizes and customer segments.
Quantify achievements: monthly or annual disbursements, AUM growth, portfolio quality (low NPAs), cross‑sell numbers and branch/channel expansion handled.
Mention any experience in identifying new locations, launching new branches or opening alternate channels for loan sourcing.
Showcase your team‑handling exposure: team size, roles managed, training conducted, performance‑improvement initiatives.

2. Highlight Sales, Risk and Compliance

Emphasise your track record in achieving or exceeding sales targets while maintaining good portfolio quality and collection efficiency.
Mention your understanding of KYC, AML, RBI norms and internal credit policies, especially for gold loans or similar secured products.
Include any exposure to fraud detection, valuation checks, customer due diligence and audit interactions.

3. Emphasise Local Market Knowledge

If you have worked in Rajasthan (especially Jalore or nearby districts), highlight your knowledge of local markets, customer behaviour and competition.
Provide examples of how you mapped markets, identified high‑potential clusters and improved penetration through branches and non‑branch channels.

4. Prepare for Interviews

Be ready to discuss:

Real examples where you grew a retail lending or gold‑loan book while keeping delinquencies under control.
How you have handled under‑performing locations or team members and turned them around.
Instances where you identified potential fraud or valuation issues and how you mitigated them.
How you design a customer journey that is simple, transparent, quick and compliant.
Your experience working with cross‑functional teams (product, underwriting, operations, collections, IT) to fix process gaps or improve TAT.

Prepare short, structured stories using the STAR method (Situation–Task–Action–Result) so your answers stay concise and impact‑oriented.

While exploring this Sales Manager – Gold Loan opportunity, you may also want to review these roles and resources on GrowInJob.com to compare career paths and prepare better:

These links help you compare different industries (banking, aviation, retail, government) and identify which skills to build for long‑term growth.

Important Notice

GrowInJob.com is an independent career information portal. We are not affiliated with, endorsed by, or directly connected to IDFC FIRST Bank or any government/third‑party recruitment agency. All information in this article is compiled from official employer notifications and other publicly available documents and is intended solely to assist job seekers.

Candidates must:

Verify all details (job status, closing date, eligibility, selection process, salary and benefits) from the official IDFC FIRST Bank careers website before applying.
Carefully read the full job description, terms and conditions and any FAQs on the employer site.
Apply only through the official process mentioned by IDFC FIRST Bank and never pay money to agents or third‑party websites promising guaranteed selection.
For any official clarification, rely exclusively on the bank’s careers portal and the contact details given in the original advertisement.

If you notice any discrepancy or missing detail in this article, please email info@growinjob.com so the information can be verified and updated promptly.

Quick FAQs – Sales Manager – Gold Loan (IDFC FIRST Bank, Jalore, Rajasthan)

Q1. What is the role of Sales Manager – Gold Loan at IDFC FIRST Bank in Jalore?
It is a front‑line area sales and portfolio‑ownership role where you are responsible for scaling up the gold‑loan business, driving monthly productivity, managing a team and ensuring portfolio quality in your designated geography.

Q2. Where is this position based?
The role is based in Jalore, Rajasthan, India, with responsibilities that may cover surrounding locations as part of the area mandate.

Q3. What qualifications do I need for this job?
You should have a graduate degree in any discipline (a post‑graduate degree is an added advantage) along with relevant experience in BFSI, especially in retail lending or gold‑loan business.

Q4. How much experience is required?
The typical requirement is 5 to 8 years of experience in the BFSI sector, preferably in retail loans, gold loans, branch banking or similar sales and portfolio‑management roles.

Q5. What are the key performance targets in this role?
You will be measured on monthly gold‑loan productivity, AUM growth, profitability, portfolio quality (delinquency and NPAs), customer acquisition numbers and renewals/regeneration from existing eligible customers.

Q6. Is team management part of the job?
Yes. You will recruit, lead and develop Gold Loan Officers / Territory Managers, drive their productivity, provide training (including fraud‑prevention awareness) and manage attrition.

Q7. Is this a field‑intensive role?
You should be prepared for a mix of branch visits, field work, market surveys, competition mapping and meetings with valuers, channel partners and customers, along with regular reviews and coordination with internal teams.

Q8. Does the bank mention the exact salary for this role?
The exact salary and incentives are usually not disclosed in public job briefs. Candidates should confirm the compensation structure directly with IDFC FIRST Bank during the official recruitment process or via the careers portal.

Q9. How can I apply for the Sales Manager – Gold Loan role?
You can apply through the official IDFC FIRST Bank careers page using the application link provided in this article, create/login to your candidate profile, fill the form, upload your CV and submit the application online.

Q10. What kind of career growth can I expect from this position?
High performers can progress to larger area roles, cluster or regional responsibilities in gold loans or other retail assets, and may also find opportunities in product, credit or broader retail leadership over time.

To apply for this job please visit careers.idfcfirstbank.com.