Gold Loan Officer

WE ARE HIRING FOR A SCHEDULED COMMERCIAL BANK - ESAF SMALL FINANCE BANK

Key responsibilities:

• Loan processing and disbursement:

• Evaluate loan applications and documentation for accuracy and completeness.
• Assess the purity, weight, and market value of gold items to determine loan amounts.
• Perform credit appraisals and disburse loans according to policy.
• Ensure smooth execution of all processes, including data entry, closure, and renewal of accounts.

• Customer service:

• Provide prompt and high-quality customer service, handling queries both pre- and post-disbursement.
• Explain loan terms and conditions to clients.
• Build customer relationships and satisfaction.

• Sales and marketing:

• Promote and sell gold loan products to new and existing customers.
• Generate leads from open markets and referrals.
• Cross-sell other bank products like savings accounts, mutual funds, or fixed deposits.

• Compliance and operations:

• Ensure all operations are compliant with internal policies and external regulations.
• Maintain accurate records of all transactions and manage file management.
• Securely store pledged gold and manage the keys to storage facilities.
• Liaise with internal departments and respond to audit findings to ensure zero discrepancies.

Required skills and qualifications :

• Education:

  Any Graduate Degree

• Experience:

  Minimum 2 years of experience in a banking or non-banking financial company (NBFC), especially in gold loans, is highly preferred. Experience in a sales role is often required for sales-focused positions.

If you are Interested please drop your updated CV through WhatsApp to Ms. Chanchal - 9072603438.