Gold Loan Officer
3 weeks ago
A Gold Loan Officer plays a crucial role in the lending process against gold collateral, ensuring both customer satisfaction and risk mitigation for the financial institution. About the Role The Gold Loan Officer is responsible for overseeing the process of granting loans against gold collateral. This includes evaluating the gold's purity and value, processing loan applications, managing the gold collateral's security, and ensuring compliance with all policies and regulations. The role requires a blend of financial acumen, meticulous attention to detail, and strong customer interaction skills.Responsibilities Gold Appraisal and Valuation: Conduct physical verification and accurate valuation of gold ornaments/articles pledged by customers. Determine the weight, purity (caratage), and market value of the gold collateral. Use gold-testing equipment to ensure accurate assessment and detect spurious or low-purity gold to mitigate risk. Customer Service and Sales: Attend to customers visiting the branch for gold loan services. Explain loan products, terms, conditions, and repayment options clearly and concisely. Assist customers with filling out loan applications and verifying required documents (KYC, etc.). Provide exceptional customer service to ensure a smooth and timely disbursement process (maintaining the TAT - Turnaround Time). Promote or cross-sell other financial products (e.g., insurance, personal loans) to potential customers. Loan Processing and Documentation: Process gold loan applications, ensuring all documentation is complete, accurate, and compliant with policy. Verify customer eligibility and creditworthiness as per bank guidelines. Handle loan disbursement and maintain proper records of all transactions. Manage data entry, closure, and renewal of loan accounts in the system. Collateral Security and Risk Management: Ensure the pledged gold is securely handled, packed, and stored in the bank vault/safe room following strict security protocols. Maintain custody of storage keys and manage safe room operations. Report discrepancies, attempted frauds, or suspicious activities to higher authorities immediately. Monitor the loan portfolio to reduce Non-Performing Assets (NPA) and follow up with customers for timely interest collection and repayment. Compliance and Audit: Adhere strictly to all internal policies, processes, external financial regulations, and KYC guidelines. Assist with and ensure zero discrepancies during internal and external audits (IAD/FCU). Close any issues pointed out in audits within the stipulated timeframe.QualificationsEducation: Typically a Bachelor's degree in any field, preferably in Finance, Business Administration, or a related field. Experience: Proven experience in banking or financial services, often 1-3 years, preferably in gold loans or a related lending/appraisal function.Required Skills Strong knowledge of gold evaluation and testing techniques. Excellent customer service and communication (verbal and written) skills, particularly in the local language. High sales orientation and lead generation/conversion skills to meet targets. Detail-oriented with strong analytical abilities for financial analysis and risk assessment. Familiarity with loan processing software and documentation management. Strong understanding of financial compliance and regulations.Preferred Skills Experience as GOLD loan Officer for minimum of 1 year, Field Work Included.Share your Updated CV through Whatsapp to Ms. Cassia (HR) : 9567593721
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Sales Officer
3 weeks ago
New Delhi, India TRDFIN Support Services Pvt Ltd Full timeWe are seeking a motivated and customer-focused Sales Officer to join our Gold Loan division. The ideal candidate should have hands-on experience in sales or customer service within the Banking or NBFC sector and a strong understanding of financial products, particularly gold loans.Key Responsibilities:- Generate new business by promoting gold loan products...
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Gold Loan Officer
1 week ago
Tilak Nagar, Delhi, Delhi, India Utkarsh Small Finance Bank Full timeGold loan experience required bank onroll job Priority minimum 2yrs exp in Gold loan **Salary**: Up to ₹25,000.00 per month **Benefits**: - Health insurance - Leave encashment - Life insurance Schedule: - Morning shift Supplemental pay types: - Performance bonus - Yearly bonus COVID-19 considerations: Need urgent required for Gold loan officers....
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Gold Loan Officer
2 weeks ago
Delhi, India GramPro Business Services Pvt. Ltd. Full timeRecruiting for a scheduled commercial Bank.Open Locations:Uttarakhand: Meerut, Dehradun, Haldwani,muzaffarnagarUttar Pradesh: Kannauj, Agra, Gorakhpur, AllahabadDelhi : Gurugram, Bhawana, FaridabadExperience Required:Minimum 1 year in Gold Loan Sales, Gold Appraising, and Gold ValuationCandidates with 1+ year experience in NBFC or Banking are highly...
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Gold Loan Officer
4 days ago
Delhi, India The HR Gallery Full time**We have urgent opening for Gold loan profile in a reputed bank.** **Job location-Delhi** **Salary upto-6 LPA** **Graduation is Mandatory** **selling product-Gold loan** **More details call to-7827482405** **Salary**: Up to ₹600,000.00 per year Schedule: - Day shift Ability to commute/relocate: - Delhi, Delhi: Reliably commute or planning to...
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Gold Loan Officer
2 weeks ago
delhi, India GramPro Business Services Pvt. Ltd. Full timeRecruiting for a scheduled commercial Bank.📍 Open Locations: Uttarakhand: Meerut, Dehradun, Haldwani,muzaffarnagarUttar Pradesh: Kannauj, Agra, Gorakhpur, Allahabad Delhi : Gurugram, Bhawana, Faridabad🔍 Experience Required:Minimum 1 year in Gold Loan Sales, Gold Appraising, and Gold ValuationCandidates with 1+ year experience in NBFC or Banking are...
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Gold Loan Officer
2 weeks ago
Delhi, India GramPro Business Services Pvt. Ltd. Full timeRecruiting for a scheduled commercial Bank.📍 Open Locations: Uttarakhand: Meerut, Dehradun, Haldwani,muzaffarnagarUttar Pradesh: Kannauj, Agra, Gorakhpur, Allahabad Delhi : Gurugram, Bhawana, Faridabad🔍 Experience Required:Minimum 1 year in Gold Loan Sales, Gold Appraising, and Gold ValuationCandidates with 1+ year experience in NBFC or Banking are...
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Gold Loan Officer
2 weeks ago
Delhi, India GramPro Business Services Pvt. Ltd. Full timeRecruiting for a scheduled commercial Bank. Open Locations: Uttarakhand: Meerut, Dehradun, Haldwani,muzaffarnagar Uttar Pradesh: Kannauj, Agra, Gorakhpur, Allahabad Delhi : Gurugram, Bhawana, Faridabad Experience Required: Minimum 1 year in Gold Loan Sales, Gold Appraising, and Gold Valuation Candidates with 1+ year experience in NBFC or Banking are highly...
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National Head Gold Loan
2 weeks ago
New Delhi, India GramPro Business Services Pvt. Ltd. Full timeNB "We are recruiting for a scheduled commercial bank" Job Title : National Head- Gold Loan Location : Thrissur Years of Experience: 25- 30+The National Head oversees all facets of the Gold Loan business nationally, focusing onProfit & Loss (P&L) managementandstrategic market expansion.1.Strategy and Business GrowthP&L Ownership:Full responsibility for the...
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National Head Gold Loan
3 weeks ago
New Delhi, India GramPro Business Services Pvt. Ltd. Full timeNB "We are recruiting for a scheduled commercial bank"Job Title : National Head- Gold LoanLocation : ThrissurYears of Experience: 25- 30+The National Head oversees all facets of the Gold Loan business nationally, focusing on Profit & Loss (P&L) management and strategic market expansion.1. Strategy and Business Growth- P&L Ownership: Full responsibility for...
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Gold Loan Officer
1 week ago
Delhi Division, India GramPro Business Services Pvt. Ltd. Full timeRecruiting for a scheduled commercial Bank. 📍 Open Locations: Uttarakhand: Meerut, Dehradun, Haldwani,muzaffarnagar Uttar Pradesh: Kannauj, Agra, Gorakhpur, Allahabad Delhi : Gurugram, Bhawana, Faridabad 🔍 Experience Required: Minimum 1 year in Gold Loan Sales, Gold Appraising, and Gold Valuation Candidates with 1+ year experience in NBFC or Banking...
