Relationship Executive Gold Loan

Job Summary

The Relationship Executive – Gold Loan will be responsible for sourcing gold loan customers, handling branch-level operations, ensuring compliance, and maintaining strong customer relationships to achieve business targets.

Key Responsibilities

• Generate new gold loan business through walk-in customers, referrals, and local market activities
• Explain gold loan products, interest rates, tenure, and repayment options to customers
• Assess gold ornaments for purity and weight as per company norms
• Ensure accurate documentation, KYC verification, and compliance with RBI/NBFC guidelines
• Process gold loan applications and disbursements within defined TAT
• Maintain and update customer records in the system
• Handle renewals, part payments, foreclosures, and loan closures
• Follow up for interest collection and overdue accounts
• Build long-term relationships to ensure repeat business and customer retention
• Coordinate with branch staff and report daily business MIS to the Branch Manager

Eligibility & Requirements

• Education: Graduate (12th pass with relevant experience may be considered)
• Experience: 0–3 years in Gold Loan / NBFC
• Skills:
• Knowledge of gold appraisal and loan processing
• Good communication and customer-handling skills
• Basic computer knowledge (MS Excel, CRM systems)
• Local market knowledge preferred

Key Competencies

• Customer-centric approach
• Sales and negotiation skills
• Attention to detail
• Integrity and compliance orientation