Customer Service and Valuer Gold Loan

AU Small Finance Bank

1 - 6 years

2 - 3 Lacs

pune

Posted:3 hours ago| Platform:

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Skills Required

gold appraiser gold appraising gold loan operations gold valuation gold jewel loan gold loan sales loan against gold gold loan gold sales

Work Mode

Work from Office

Job Type

Full Time

Job Description

Roles and Responsibilities

Conduct thorough appraisals of gold ornaments to determine loan amounts and interest rates.
Manage customer interactions to understand their gold loan requirements and provide customized solutions.
Process loan applications, verify documents, and ensure timely disbursement of funds.
Maintain accurate records of transactions, including sales reports and customer interactions
Identify cross-selling opportunities for other banking products and services
Conduct accurate gold valuation as per defined quality and purity parameters.
Drive net gold loan portfolio growth through quality sourcing and renewals.
Assist in recovery of spurious/below 18 carat cases and coordinate NPA gold auctions.
Identify and close cross-sell opportunities (CASA, insurance, etc.) from walk-in customers.

Monitor overdue cases (DPD) and take follow-up action for recovery or resolution

Process customer transactions including cash, gold loan, NEFT, RTGS, FT, etc.
Support BOSM in branch lobby management and queue handling during peak hours.
Maintain transaction accuracy, reduce discrepancies, and ensure TAT adherence.
Assist in empanelment of external gold valuers and coordination of valuation tasks.
Ensure proper documentation, UV compliance, and safe custody of pledged gold.
Provide back-up support to the Money Officer and other roles as needed.
Help in resolving customer service issues, queries, and service deliverables.
Participate in business promotion and marketing activities at the branch level.
Timely reporting of branch issues to concerned verticals and follow up as per matrix.
Submit gold loan documents to CPC post-audit, ensuring completeness and compliance.
Participate in training sessions and product/process refreshers for continuous learning

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