Credit Appraiser - Gold Loan

3 - 8 years

4 - 6 Lacs

Posted:11 hours ago| Platform: Foundit logo

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Work Mode

On-site

Job Type

Full Time

Job Description

Key Responsibilities

Credit & Operational Excellence

  • Manage and oversee the Gold Loan portfolio of the branch as the second-in-command to the Branch Head.
  • Assist the Branch Head in core branch activities like loan disbursement, cash handling, vault operations, customer service, and compliance.
  • Maintain key registers and prepare accurate daily reports for management visibility.

Customer Relationship Management

  • Build and nurture strong relationships with existing customers to promote gold loan products.
  • Identify new customer prospects and effectively pitch gold loan offerings.
  • Ensure timely interest collection from customers and proactively manage overdue cases.
  • Maintain tight control over Non-Performing Assets (NPAs) and support recovery efforts.

Valuation and Compliance

  • Conduct accurate valuation and appraisal of pledged gold ornaments in adherence to company standards and audit norms.
  • Perform purity checks using methods like acid/salt test, pointed scratch test, weight test, smell test, usability test, flexibility test, and sound test.
  • Ensure safety and proper documentation of cash and gold assets; store in designated vaults securely.

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