Customer Service and Valuer Gold Loan
11 hours ago
Roles and Responsibilities
- Conduct thorough appraisals of gold ornaments to determine loan amounts and interest rates.
- Manage customer interactions to understand their gold loan requirements and provide customized solutions.
- Process loan applications, verify documents, and ensure timely disbursement of funds.
- Maintain accurate records of transactions, including sales reports and customer interactions
- Identify cross-selling opportunities for other banking products and services
- Conduct accurate gold valuation as per defined quality and purity parameters.
- Drive net gold loan portfolio growth through quality sourcing and renewals.
- Assist in recovery of spurious/below 18 carat cases and coordinate NPA gold auctions.
- Identify and close cross-sell opportunities (CASA, insurance, etc.) from walk-in customers.
Monitor overdue cases (DPD) and take follow-up action for recovery or resolution
- Process customer transactions including cash, gold loan, NEFT, RTGS, FT, etc.
- Support BOSM in branch lobby management and queue handling during peak hours.
- Maintain transaction accuracy, reduce discrepancies, and ensure TAT adherence.
- Assist in empanelment of external gold valuers and coordination of valuation tasks.
- Ensure proper documentation, UV compliance, and safe custody of pledged gold.
- Provide back-up support to the Money Officer and other roles as needed.
- Help in resolving customer service issues, queries, and service deliverables.
- Participate in business promotion and marketing activities at the branch level.
- Timely reporting of branch issues to concerned verticals and follow up as per matrix.
- Submit gold loan documents to CPC post-audit, ensuring completeness and compliance.
- Participate in training sessions and product/process refreshers for continuous learning
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