GOLD LOAN OFFICER

As a Gold Loan Officer, you will be responsible for managing the gold loan portfolio, driving business development, ensuring compliance with regulatory requirements, and providing exceptional customer service. You should have a strong understanding of the gold loan market, risk assessment, and the ability to lead a team effectively. Key Responsibilities: - Oversee the gold loan portfolio, ensuring healthy loan growth and minimizing delinquency rate. - Monitor market trends and competitor activities to adapt strategies and enhance product offerings. - Develop and maintain strong relationships with customers to facilitate repeat business. - Ensure best practices in gold appraisal and evaluate customer's goals assets for loan eligibility and determine appropriate LTV ratio. - Lead, train, and motivate the gold loan team to achieve performance targets and conduct regular performance & business target reviews. - Ensure compliance in all transactions and take over the gold as per our policy and relevant legal and regulatory frameworks. - Oversee the day-to-day operations of the branch to ensure efficient customer service in gold loan. - Develop and implement strategies to grow the business through cross-selling of gold loans and other financial products. Analyze trends and prepare forecasts to assist in strategic planning. - Develop strategies to drive business growth and expand the gold loan products and collaborate with marketing teams to create outreach programs. - Ensure compliance with cash management and assets transits and proper maintenance of documentation and files. Additionally, you will be responsible for: - Loan Disbursement: - Application processing: Ensure timely processing and sanctioning of gold loans once all requirements are met. - Disbursement Oversight: Oversee the disbursement of funds to the customer in a manner compliant with internal policies. Please note that this is a full-time position with benefits including Provident Fund. The work location is in person.,