Gold Loan Executive

A loan manager for Indian gold loans in T Nagar would be responsible for overseeing the entire gold loan process, from sourcing and appraising gold to managing the loan portfolio and ensuring regulatory compliance. This includes business development, customer relationship management, and team leadership, with a focus on achieving sales targets and maintaining a healthy loan book.  Key Responsibilities: Business Development: Identifying and developing new business opportunities for gold loans, including lead generation and customer acquisition.  Gold Appraisal and Valuation: Assessing the value of gold ornaments, ensuring accuracy and compliance with company policies.  Loan Processing and Disbursement: Managing the loan application process, including verification of KYC documents and loan disbursement.  Portfolio Management: Monitoring the performance of the gold loan portfolio, identifying and addressing any issues related to delinquencies or defaults.  Customer Relationship Management: Building and maintaining strong relationships with existing and potential customers, addressing their queries and concerns.  Team Management: Leading and motivating a team of sales professionals, providing guidance and support to achieve business targets.  Compliance and Risk Management: Ensuring adherence to all relevant regulations and company policies related to gold loans.  Sales Target Achievement: Meeting or exceeding sales targets for gold loan disbursements and revenue generation.  Branch Operations: May be required to oversee branch operations and ensure smooth functioning of the gold loan business within the assigned location.  Skills and Qualifications: Educational Background: Typically requires a bachelor's degree.  Experience: 1-2 years of experience in gold appraisal, valuation, or related fields is generally required.  Sales Skills: Strong sales and business development skills are essential.  Communication Skills: Excellent communication and interpersonal skills are necessary for interacting with customers and team members.  Product Knowledge: A good understanding of gold loan products and processes is crucial.  Analytical Skills: Ability to analyze data, identify trends, and make informed decisions related to loan portfolio management.  Risk Management: Familiarity with risk assessment and mitigation techniques related to gold loans.  Specific to T Nagar: Local Market Knowledge: May be required to have a good understanding of the T Nagar gold market and customer demographics.  Networking: Ability to build and maintain relationships with local businesses and individuals involved in the gold trade.  Travel: Willingness to travel within the assigned territory to meet with customers and assess gold ornaments.