About this role
Key Responsibilities
1. Customer Acquisition & Business Generation
- Source gold loan business through walk-ins, local references, and field activities
- Achieve monthly disbursement and portfolio growth targets
- Generate leads through referrals and cross-sell financial products (insurance, loans, etc.)
2. Gold Appraisal & Loan Processing
- Conduct gold valuation (purity testing, weight verification) as per company standards
- Process loan applications including documentation, KYC verification, and data entry
- Ensure accurate loan disbursement, renewal, and closure within TAT
- Counsel customers on eligibility, interest rates, and repayment terms
3. Customer Relationship & Service
- Handle customer queries (walk-in, phone, email) and provide product guidance
- Build strong customer relationships to drive repeat business and retention
- Conduct follow-ups for renewals, collections, and overdue cases
4. Branch Operations & Cash Handling
- Manage cash transactions and ensure adherence to cash handling guidelines
- Support maintenance of branch records, daily MIS, and system data
- Assist in gold packet handling, tagging, and storage processes
5. Compliance & Audit Support
- Ensure adherence to KYC norms and internal policies for all transactions
- Maintain proper documentation and audit trails for all loans
- Support internal/external audits and ensure zero deviations
6. Market Outreach & Local Engagement
- Conduct local marketing activities, roadshows, and campaigns
- Build relationships with local influencers, jewelers, and connectors
- Track competitor offerings and gold price trends
Key Skills & Competencies
(Consolidated from profiles + market data)
- Gold valuation & appraisal basics
- Sales & target orientation
- Customer service & relationship management
- Loan processing & documentation
- Cash handling & basic operations
- Communication & interpersonal skills
- MS Office / data entry
Qualification
- Graduate (B.Com / BBA / BCA / BA preferred)
- Certification in gold appraisal (preferred)