Credit Appraiser

3 weeks ago

Coimbatore, India Tvs Credit Services Ltd Full time

Job Description Key Responsibilities Credit & Operational Excellence - Manage and oversee the Gold Loan portfolio of the branch as the second-in-command to the Branch Head. - Assist the Branch Head in core branch activities like loan disbursement, cash handling, vault operations, customer service, and compliance. - Maintain key registers and prepare accurate daily reports for management visibility. Customer Relationship Management - Build and nurture strong relationships with existing customers to promote gold loan products. - Identify new customer prospects and effectively pitch gold loan offerings. - Ensure timely interest collection from customers and proactively manage overdue cases. - Maintain tight control over Non-Performing Assets (NPAs) and support recovery efforts. Valuation and Compliance - Conduct accurate valuation and appraisal of pledged gold ornaments in adherence to company standards and audit norms. - Perform purity checks using methods like acid/salt test, pointed scratch test, weight test, smell test, usability test, flexibility test, and sound test. - Ensure safety and proper documentation of cash and gold assets; store in designated vaults securely.

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