Executive-gold Loans

3 weeks ago

Vijayawada, India HDB Financial Services Limited Full time

**Key functions will be**:

- Coordinate with branch sales team and support BSM, SMs for lead conversion
- Tele-calling / follow up on leads given by sales team and Corporate office
- Coordinate customer walk in branch. Explain product details to customer and suggest scheme based on need analysis
- Conduct self gold valuation and inform gold loan amount. Manage external gold valuation process i.e. interacting with valuator making sure that the process is followed
- Update valuation details in system i.e. Gold portal and loan booking system
- Ensure loan processing completed within stipulated TAT.
- Follow up with delinquent customer and ensure that customer does not cross 30 DPD bucket
- Follow up with customer for timely interest collection
- Gold loan file disbursal in system (this could be done by BOM for most Branches)
- Custody of gold packets in the office, record it as per process
- Raise Payment Request / Cheque Disbursement, record it as per process
- Arrange to send the complete file to COPS as per process.
- Manage Related MIS, interface with COPS, regional teams as might be required.
- Co-ordinate with central telecalling team for collections / follow up for payments from overdue borrowers
- Customer Support / Service as required. KEY RESPONSIBILITIES
- Sales process management in FMCG/ Direct sales company
- Understanding of gold process understanding ,KYC Knowledge & Sales process
- Gold loan Sales process & BTL Marketing
- Process understanding ,KYC Knowledge ,Understanding of the documentation required, Product /Competition Knowledge

SKILLS / COMPETENCIES REQUIRED
- Graduate with Minimum 2-4 yrs experience
- Experience in collection and auction will be preferred.
- Min 2 years experience in gold valuation at gold loan NBFCs.

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