Job
Description
Job Purpose: To manage and grow the gold loan portfolio by ensuring smooth processing of gold loans, excellent customer service, and strict adherence to quality, compliance, and security standards. Key Responsibilities: 1. Gold Loan Processing: Handle end-to-end processing of gold loans, including appraisal, documentation, disbursement, and closure. Work closely with the Gold Appraiser to verify the purity, weight, and authenticity of pledged gold ornaments. Ensure timely and accurate entry of loan data into the system. 2. Customer Service & Relationship Management: Greet and assist customers courteously and professionally. Educate customers on gold loan schemes, interest rates, terms, repayment options, and documentation requirements. Address queries, resolve complaints, and follow up on customer satisfaction. 3. Business Generation & Portfolio Growth: Meet assigned individual and branch targets for gold loan disbursement. Conduct field visits, local marketing, and awareness campaigns to generate leads. Build relationships with local customers, traders, and agents for repeat business and referrals. 4. Documentation & Compliance: Collect and verify all necessary documents (KYC, loan application, etc.). Ensure all transactions are carried out in compliance with company policy and regulatory guidelines (RBI/AML/KYC). Maintain up-to-date loan files and registers. 5. Repayment Follow-up & Recovery: Monitor due dates and ensure timely interest collection and loan repayments. Follow up with customers for renewal or repayment of loans. Support the recovery team in case of overdue or defaulted accounts. 6. Security & Audit Compliance: Ensure safekeeping of pledged gold in lockers/vaults with proper tagging and documentation. Assist during branch audits, gold audits, and inspections. Maintain strict security, accuracy, and transparency in all gold-related transactions. Required Qualifications & Skills: Bachelor’s degree in Commerce/Finance/Business or a related field. 1–3 years of experience in gold loan operations or related banking/NBFC functions. Knowledge of gold loan products, lending procedures, and RBI norms. Basic understanding of gold appraisal and valuation (optional but preferred). Good communication, sales, and interpersonal skills. Basic computer proficiency (MS Office, Loan Management Software). Key Competencies: Integrity and Trustworthiness Target Orientation Customer Focus Problem Solving Attention to Detail Team Collaboration Job Types: Full-time, Permanent Pay: From ₹12,000.00 per month Schedule: Day shift Supplemental Pay: Performance bonus Yearly bonus Work Location: In person
