Walk-in || Gold Loan Officer / Gold Loan Sales Officer/ Relationship Manager

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HR [email removed]

Role & responsibilities

Attending customers who are visiting the branch for availing a gold loan or for any activity related to their existing gold loan

• Explaining the product & convincing customers to avail gold loan
• Executing all system entries in the Gold Loan LOS & LMS system
• Ensuring TAT adherence in the disbursal of the loan
• Coordinating & managing the relationship with External Valuer to ensure timely valuation of the customer's gold
• Coordinating with the Internal Audit team and ensuring satisfactory audit reports
• Coordinating with HO Team for approvals, clarifications, etc to ensure timely sanction & disbursal of gold loans Responsible for the growth & quality of gold loan book of the branch.
• Following up for payment with overdue and margin shortfall customers and ensuring collections as per targets
• Maintaining various MIS & Reports
• Suggesting changes to the product team to improve the customer experience & turnaround timeP

• Prospecting and Lead Generation

- Identify and target potential customers (individuals, small businesses, etc.) needing gold loans.

- Generate leads through cold calling, referrals, local market visits, and community engagement.

- Plan & execute marketing activities within 5 km radius of the branch

- Travel extensively within assigned areas to meet customers.

2. Customer Acquisition and Relationship Management

- Educate customers about gold loan products, terms, interest rates, and benefits.

- Assess customer needs and recommend suitable loan schemes.

- Build trust by addressing queries, resolving concerns, and ensuring transparency.

3. Documentation

- Guide customers through documentation processes (ID proof, address proof, etc.) and ensure compliance with KYC norms.

4. Sales Targets and Business Growth

- Meet or exceed monthly/quarterly sales targets for loan disbursements.

- Expand the customer base in assigned territories through aggressive field sales activities.

5. Market Intelligence and Feedback

- Report competitor activities, market trends, and customer feedback to management.

- Suggest improvements to loan products or processes based on field insights.

3 to 7 years of experience in Banking Liabilities - Relatinship Manager - Branch Banking