Regional Manager

Job Summary

The Regional Manager is responsible for managing and developing the business operations of Gold Loan, Investment, and Insurance products within the assigned region. The role involves achieving business targets, ensuring operational excellence, improving branch productivity, maintaining regulatory compliance, and leading branch teams for sustainable growth.

Key Responsibilities

Business Development

Achieve regional targets for Gold Loan, Investment, and Insurance business.

Develop and implement sales strategies to improve revenue and market share.

Identify new business opportunities and customer acquisition channels.

Monitor branch-wise sales performance and ensure target achievement

Operations Management

Oversee smooth functioning of all branches within the assigned region.

Ensure proper implementation of company policies and operational procedures.

Monitor gold loan disbursement, renewal, recovery, and auction processes.

Ensure high standards in customer service and operational efficiency.

Investment & Insurance Operations

Promote investment and insurance products through branch network.

Ensure proper customer guidance regarding investment and insurance schemes.

Monitor cross-selling activities and improve product penetration.

Ensure compliance with regulatory and company guidelines related to financial products.

Team Management

Supervise Branch Managers, Sales Officers, and Operations staff.

Conduct regular training, performance reviews, and motivational sessions.

Build a high-performance culture within the region.

Support recruitment and manpower planning activities.

Compliance & Risk Management

Ensure compliance with RBI, IRDAI, and company regulations.

Monitor audit observations and implement corrective actions.

Prevent operational risks, fraud, and policy violations.

Maintain portfolio quality and control overdue accounts.

Reporting & Coordination

Prepare regional MIS reports and business analysis reports.

Coordinate with HO departments including HR, Audit, Operations, and Finance.

Conduct regular branch visits and review meetings.

Required Qualifications

Bachelor’s Degree in Commerce, Finance, Business Administration, or related field.

MBA preferred.

Minimum 7–10 years of experience in NBFC, Banking, Gold Loan, Insurance, or Investment sector.

Minimum 3 years of experience in multi-branch or regional management.

Required Skills

Strong leadership and team management abilities

Knowledge of Gold Loan operations and appraisal

Sales and business development skills

Investment and insurance product knowledge

Recovery and collection management

Excellent communication and interpersonal skills

Analytical and decision-making skills

Proficiency in MS Office and branch management software

Key Performance Indicators (KPIs)

Gold Loan business growth

Investment and insurance sales achievement

Portfolio quality and overdue control

Branch profitability

Customer satisfaction level

Compliance and audit ratings

Employee productivity and retention

Working Conditions

Frequent travel across the assigned region.

Ability to handle business pressure and monthly targets.

Availability for branch reviews, audits, and emergency operational support.