Key Responsibilities:1. Customer Handling & Gold Loan Process
- Welcome customers and understand their loan or gold-related requirements.
- Handle Gold Loan Release Enquiries:
- Explain interest rates, loan terms, and required documentation.
- Get the gold appraised by the approved appraiser.
- Coordinate the smooth movement of the customer from inquiry to cashier handover.
- Ensure accurate documentation before loan processing and disbursal.
- Maintain customer privacy and safety protocols during gold appraisal and transactions.
2. Gold Appraisal Coordination
- Assist the authorized appraiser by:
- Recording the gold weight and purity
- Ensuring gold is photographed and tagged as per company policy
- Maintain clear records for appraised items and ensure a smooth process before moving to billing.
3. Cashier & Billing Support
- Coordinate with the cashier during loan disbursal and repledge transactions.
- Prepare accurate interest-paid bills and repledge transaction bills.
- Ensure all transaction slips are signed and stored properly.
4. Gold Sale Enquiries
- Attend to customers who visit to sell gold:
- Collect necessary documents
- Coordinate with management for current gold buying rates
- Ensure proper invoice generation and recording
5. Interest Collection & Receipts
- Generate bills for interest payments.
- Update system records and issue receipts to customers promptly.
- Cross-check all collections at the end of the day for accuracy and reconcile with the cashier.
6. Branch Meetings & Internal Coordination
- Participate in daily branch meetings related to:
- Sales and operations targets
- Process improvement and compliance updates
- Attend recovery meetings in the absence of the assistant branch manager.
- Share updates on any pending gold release, billing issues, or customer follow-up cases.
7. Record Maintenance & Compliance
- Maintain:
- Daily loan issuance register
- Interest collection register
- Gold appraisal and handover log
- Ensure 100% accuracy and completeness in KYC documentation.
- Assist in internal audits and surprise inspections with updated files and registers.
8. Customer Service & Relationship
- Ensure polite and professional interaction with all walk-in customers.
- Handle basic customer grievances and escalate if required.
- Follow up with old customers for renewal reminders if guided by the ABM.
9. System & Software Usage
- Enter all transaction data in the company software with attention to detail.
- Cross-verify system entries before final disbursal or collection.
- Report any software or data issues immediately to the ABM or technical support team.
1. Banking & Loan Process Coordination
- Closure formalities of customer loans (over loans)
- Collect and deliver important banking documents, cheques, or demand drafts as required.
- Visit customer banks if needed to support documentation or fund transfers for gold release.
- Ensure timely and error-free handling of all bank-related work to avoid delays.
2. KGF Bank Account Operations
- Assist in opening new bank accounts for KGF under instructions from the branch manager.
- Collect necessary documents, visit the bank, and follow up for account activation.
- Ensure account details are updated and shared with concerned stakeholders.
3. Temporary Fund Management
- Borrow short-term funds from local financiers when instructed by ABM:
- Ensure proper documentation and recording of interest paid.
- Return the borrowed amount the same day without fail.
- Maintain a list of trusted local financiers with fair practices.
4. Loan Issuance & Repledging Support
- Support the branch in loan disbursal and repledging (OB) processes:
- Coordinate movement of gold to/from appraisers if required.
- Ensure safe handling of gold packets during transit (if applicable).
5. Vendor & Partner Coordination
- Coordinate with vendors for:
- Office supplies or printer/cartridge purchases
- AMC visits or bank-related courier services
- Maintain vendor contact lists and handle minor logistics as assigned.
6. Inter-Branch & HO Communication
- Carry physical documents (if required) between branches or to the Head Office for urgent approvals, audits, or signature collection.
- Represent the branch for any in-person meetings or submission of physical reports.
7. Emergency & Contingency Support
- Be available for urgent tasks like
- ATM cash deposit/withdrawal if the branch account cash flow is affected.
- Immediate gold valuation or repair of gold packet seals in coordination with authorized appraisers.
- Handling small courier dispatches or branch-level emergencies.
8. Record Keeping & Reporting
- Maintain a daily logbook of all outside visits:
- Documents carried (if any)
- Report daily to the Assistant Branch Manager with task status and pending items
Job Types: Full-time, Permanent
Pay: ₹15,000.00 - ₹20,000.00 per month
Benefits:
- Health insurance
- Paid sick time
- Provident Fund
Work Location: In person
