Business Development:Achieve monthly and yearly targets for loan disbursements (personal loans, gold loans, business loans, etc.) and deposit mobilization (fixed deposits, recurring deposits). Identify and acquire new customers while retaining existing ones through relationship building and superior service. Conduct local market surveys and competitor analysis to identify new business opportunities. Team Management:Lead and supervise branch staff, including loan officers, customer service executives, and cashiers. Train, guide, and motivate the team to meet performance targets. Evaluate team performance and provide necessary feedback or corrective measures. Operations & Compliance:Ensure smooth and efficient day-to-day branch operations. Monitor KYC, documentation, loan processing, and deposit procedures to ensure 100% compliance with NBFC and RBI guidelines. Address internal audit observations and implement corrective actions promptly. Credit & Risk Management:Evaluate loan applications, perform risk assessments, and recommend or approve loans within delegated authority. Monitor collections and ensure timely recovery of dues. Minimize NPAs through strong follow-up and customer relationship management. Customer Relationship:Provide prompt and efficient service to customers across all products. Handle customer grievances professionally and escalate when required.
Key Responsibilities:Sales & Business Development Promote and sell gold loan products to prospective customers. Achieve monthly and quarterly sales targets. Conduct field visits, cold calls, and participate in promotional activities to generate leads. Customer Relationship Management Explain gold loan features, benefits, and terms to customers. Build and maintain long-term customer relationships. Provide after-sales service to ensure customer satisfaction and repeat business. Operations & Documentation Assist in gold valuation and verification with branch appraisers. Ensure complete and accurate documentation for loan processing. Handle cash transactions related to gold loan disbursements and repayments. Compliance & Risk Management Follow KYC, AML, and other statutory compliance requirements. Maintain security and safety of pledged gold ornaments. Ensure zero tolerance for operational and procedural lapses.
Drive business growth in Loan Against Property (LAP) segment through direct sourcing, channel partners, and branch network. Manage end-to-end LAP process including sourcing, file login, credit appraisal, legal/technical clearance, and disbursement. Build and manage relationships with customers, DSAs, and connectors. Ensure portfolio quality by monitoring delinquency and maintaining collection efficiency. Work closely with the credit, operations, and legal teams to ensure smooth loan processing. Achieve monthly and annual LAP disbursement targets. Train and guide sales officers/executives in LAP product knowledge and selling techniques. Track competitor offerings and suggest strategies to remain competitive in the market. Ensure compliance with company policies, KYC norms, and regulatory guidelines
Key Responsibilities:Source and acquire customers for Loan Against Property (LAP) through direct channels, DSAs, and connectors. Handle complete LAP process from lead generation to disbursement. Conduct preliminary financial analysis of customers and coordinate with the credit team for loan approval. Ensure proper documentation, KYC compliance, and legal/technical clearance for loan processing. Maintain strong relationships with customers and channel partners for repeat/referral business. Achieve monthly and annual business targets. Track competitor activities and suggest market strategies. Ensure timely collection follow-ups and maintain portfolio quality.
Manage loan processing, disbursement, and repayment entries in line with company policy. Handle documentation and verification for deposits, mortgage loans, group loans, housing loans, and LAP. Ensure accurate KYC compliance and record maintenance. Coordinate with sales, credit, accounts, and audit teams for smooth operations. Process foreclosure, pre-closure, and settlement requests. Maintain and update MIS reports, trackers, and dashboards for management. Monitor operational compliance with RBI and NBFC guidelines. Provide support in audits, reconciliations, and process improvements. Address queries from branches and customers related to operations.
Generate new business by sourcing customers for gold loans through field visits, references, and local marketing activities. Promote gold loan schemes to walk-in customers and explain product benefits. Achieve assigned monthly and quarterly sales and disbursement targets. Conduct market research to identify new business opportunities. Maintain strong relationships with existing customers for renewals and cross-selling. Ensure accurate documentation, KYC compliance, and coordination with the appraiser and operations team. Follow up with customers for interest collection and loan renewals. Support promotional campaigns, loan recovery, and branch-level sales initiatives.