Job Description

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)

Gold Loan Officer - Gold Loan - Vellore - Gandhi Nagar - (J1-J3)