Job Purpose:
To manage and grow the gold loan portfolio by ensuring smooth processing of gold loans, excellent customer service, and strict adherence to quality, compliance, and security standards.
Key Responsibilities:
1. Gold Loan Processing:
- Handle end-to-end processing of gold loans, including appraisal, documentation, disbursement, and closure.
- Work closely with the Gold Appraiser to verify the purity, weight, and authenticity of pledged gold ornaments.
- Ensure timely and accurate entry of loan data into the system.
2. Customer Service & Relationship Management:
- Greet and assist customers courteously and professionally.
- Educate customers on gold loan schemes, interest rates, terms, repayment options, and documentation requirements.
- Address queries, resolve complaints, and follow up on customer satisfaction.
3. Business Generation & Portfolio Growth:
- Meet assigned individual and branch targets for gold loan disbursement.
- Conduct field visits, local marketing, and awareness campaigns to generate leads.
- Build relationships with local customers, traders, and agents for repeat business and referrals.
4. Documentation & Compliance:
- Collect and verify all necessary documents (KYC, loan application, etc.).
- Ensure all transactions are carried out in compliance with company policy and regulatory guidelines (RBI/AML/KYC).
- Maintain up-to-date loan files and registers.
5. Repayment Follow-up & Recovery:
- Monitor due dates and ensure timely interest collection and loan repayments.
- Follow up with customers for renewal or repayment of loans.
- Support the recovery team in case of overdue or defaulted accounts.
6. Security & Audit Compliance:
- Ensure safekeeping of pledged gold in lockers/vaults with proper tagging and documentation.
- Assist during branch audits, gold audits, and inspections.
- Maintain strict security, accuracy, and transparency in all gold-related transactions.
Required Qualifications & Skills:
- Bachelor’s degree in Commerce/Finance/Business or a related field.
- 1–3 years of experience in gold loan operations or related banking/NBFC functions.
- Knowledge of gold loan products, lending procedures, and RBI norms.
- Basic understanding of gold appraisal and valuation (optional but preferred).
- Good communication, sales, and interpersonal skills.
- Basic computer proficiency (MS Office, Loan Management Software).
Key Competencies:
- Integrity and Trustworthiness
- Target Orientation
- Customer Focus
- Problem Solving
- Attention to Detail
- Team Collaboration
Job Types: Full-time, Permanent
Pay: From ₹12,000.00 per month
Schedule:
- Day shift
Supplemental Pay:
- Performance bonus
- Yearly bonus
Work Location: In person
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