Relationship Executive

Gold Loan Officer Responsibilities

• Meet customers who want loans against gold jewellery.
• Explain gold loan products, interest rates, tenure, charges, and repayment terms.
• Verify customer KYC and documents.
• Examine and assess the purity and weight of gold according to company procedures.
• Calculate the eligible Loan-to-Value (LTV) and loan amount.
• Complete loan application, documentation, and agreement formalities.
• Coordinate with the gold appraiser/branch team for valuation and approval.
• Disburse approved loans and ensure proper custody and security of pledged gold.
• Follow up with customers for EMI/interest payments and renewals.
• Handle overdue accounts and assist with recovery while following company policies.
• Maintain accurate records and comply with RBI/company KYC, AML, and gold-security requirements.
• Achieve branch targets for loan disbursement, customer acquisition, renewals, and collections.

Field / Microfinance Loan Officer – Responsibilities

• Visit villages, rural areas, or assigned customer locations regularly.
• Identify and acquire new borrowers.
• Explain microfinance loan products, eligibility, interest, repayment schedule, and terms.
• Conduct field-level customer verification and KYC checks.
• Assess the customer's income, household situation, business activity, and repayment capacity.
• Form or manage Joint Liability Groups (JLGs)/Self-Help Groups (SHGs) where applicable.
• Collect loan applications and supporting documents.
• Conduct pre-loan visits and submit recommendations for credit approval.
• Disburse loans according to company procedures.
• Make regular field visits for collection of repayments.
• Follow up on overdue/default accounts and conduct recovery visits.
• Maintain daily collection sheets, customer records, and field reports.
• Educate customers about responsible borrowing and timely repayment.
• Meet targets for new customers, loan disbursement, collection efficiency, and portfolio quality.
• Travel extensively and maintain good relationships with customers and local communities.