Satyagopal Rai

Accomplished Gold Loan and BFSI professional with rich experience in Gold Loan sales, branch operations, business development, relationship and territory management, and customer acquisition.

Proven Gold

Loan business specialist, skilled in disbursement, renewals, closures, balance transfers, lead generation, retention, repeat business, cross-selling, and portfolio management. High-performing sales leader with expertise in target achievement, business growth, revenue generation, portfolio expansion, lead conversion, and sales productivity. Strategic team and territory manager, experienced in team handling, territory expansion, sales planning, market mapping, performance management, KPI achievement, AUM growth, and CRM.

Results-driven BFSI professional, skilled in branch business development, collections, risk management, compliance, audit readiness, customer service, and sustainable revenue growth.

Territory Manager at Sarthi Money Pvt. Ltd. (2026-08 – Present)

Leading Gold Loan business across Uttar Pradesh for Aditya Birla, Poonawalla Fincorp, and IIFL, driving territory-wide sales and business development.

• Managing Gold Loan operations across 50+ branches, overseeing customer acquisition, balance transfer support, portfolio expansion, and relationship management.
• Driving territory growth through market development, lead generation, prospect conversion, customer engagement, and existing-customer penetration.
• Managing an annual Gold Loan disbursement target of ₹15 crore, aligning branch-level activities with territory business objectives.
• Strengthening partner and customer relationships while identifying opportunities for business expansion, revenue growth, and market penetration.
• Identified high-potential markets and developed expansion opportunities across the Uttar Pradesh territory.
• Tracked key sales KPIs, pipeline movement, and business trends to support data-driven territory planning.

Sales Manager – Team Handling at IDFC FIRST Bank Ltd. (2024-02 – 2026-06)

Led Gold Loan Desk operations for Allahabad, managing fresh disbursements, renewals, closures, customer servicing, and business development.

• Directed customer acquisition and sales conversion initiatives through lead generation, prospecting, relationship management, and structured follow-ups.
• Coordinated team activities and sales performance while strengthening customer relationships and driving portfolio growth and business retention.
• Guided and motivated sales team members to improve individual productivity, conversion ratios, and target achievement.
• Owned Gold Loan business across a 50 km territory covering 2 branches, driving sales execution and portfolio development.
• Ensured adherence to internal banking processes and customer service standards while supporting smooth Gold Loan operations.

Business Development Manager – Health, Agency Channel at SBI General Insurance Co. Ltd. (2022-11 – 2023-12)

Drove Health Insurance business development through market prospecting, customer acquisition, relationship management, and portfolio expansion.

• Managed the sales pipeline from lead generation and product presentation through customer conversion and follow-up.
• Delivered need-based insurance solutions by understanding customer requirements and aligning suitable products to their needs.
• Supported portfolio growth and sales performance through new customer acquisition and development of existing accounts.
• Conducted market mapping and prospect identification to uncover untapped customer and business opportunities.
• Expanded business opportunities by engaging key stakeholders, strengthening customer relationships, and identifying potential revenue streams.
• Helped agents and channel partners with product knowledge, sales inputs, and conversion-focused guidance.

Development Manager – Health, Agency Channel at ICICI Lombard General Insurance Co. Ltd. (2021-12 – 2022-11)

Drove business development across the Health Agency Channel, focusing on customer acquisition, portfolio expansion, and revenue generation.

• Developed and nurtured client relationships to improve account penetration, retention, and recurring business opportunities.
• Built sales pipelines through prospect identification, lead generation, product positioning, and customer engagement.
• Converted customer requirements into appropriate insurance solutions using a consultative sales approach.
• Advanced business growth initiatives through new customer acquisition and systematic development of the existing customer base.

Senior Relationship Manager at Reliance Nippon Life Insurance (2021-02 – 2021-12)

Managed and developed client portfolios across legal, finance, and insurance segments, driving account growth, retention, and relationship profitability.

• Cultivated relationships with multiple client stakeholders to identify requirements and unlock incremental business opportunities.
• Generated new business opportunities through prospecting, customer engagement, product positioning, and consultative selling.
• Mapped customer needs and recommended tailored insurance solutions, strengthening engagement and conversion potential.
• Accelerated portfolio growth through new client acquisition, relationship deepening, and existing-account development.

Customer Sales Executive at HDFC Bank Ltd. (2016-08 – 2021-02)

Supported Gold Loan Desk operations for Allahabad, managing fresh disbursements, renewals, closures, and customer servicing.

• Expanded the customer base through structured lead generation, prospecting, product presentations, and need-based selling.
• Strengthened customer relationships and portfolio value by driving repeat business, renewals, and customer retention.
• Delivered sales objectives through focused business development, customer acquisition, and systematic follow-up of prospective and existing customers.
• Owned Gold Loan business delivery across a 50 km territory covering 18 branches, serving as the single point of responsibility for the assigned portfolio.

Bachelor of Arts in B.A. – VBS Purvanchal University, Jaunpur (2010 – 2013)

12th – U.P. Board, Allahabad (2004 – 2004)

10th – U.P. Board, Allahabad (2002 – 2002)