Credit Appraiser - Gold Loan

TVS Credit Services Ltd

3 - 8 years

4 Lacs

coimbatore

Posted:7 hours ago| Platform:

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Skills Required

gold loan sales gold loan operations

Work Mode

Work from Office

Job Type

Full Time

Job Description

Dear Candidate,

Greetings from TVS Credit Services Ltd

Credit & Operational Excellence:

Manage and oversee the Gold Loan portfolio of the branch, ensuring effective utilization and growth as second in command to branch head.
Assist branch head in all branch-level activities to drive business growth, including loan disbursement, cash management, vault keeping, customer service, and compliance with company policies.
Maintain important registers and prepare daily reports, providing accurate and up-to-date information to management.
Customer Relationship Management:
Build and maintain relationships with existing clients to drive gold loan business and enhance customer engagement.
Identify potential clients and effectively communicate the benefits of our gold loan products.
Ensuring timely interest collection from customers, managing the cash and storage of the underlying gold assets.
Follow up with customers to ensure timely interest collections and contribute to keeping Non-Performing Assets (NPAs) under control.

Valuation and Compliance:

Maintain accurate valuation appraisal of gold ornaments pledged in the branch, adhering to company policy and audit standards.
Verify weight and purity assessments as required through acid and salt test, pointed scratch test, weight test, smell test usability test, flexibility test, sound test etc.
Ensuring safety of Cash and Gold assets collected and storing it in the appropriate vaults in the branch with proper reporting and documentation.

Interested candidates please share your cv to deepan.r@tvscredit.com

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