Gold Loan Officer

5 days ago

Ranchi, India Ujjivan Small Finance Bank Full time

Job Description Responsibilities: - Business Development & Sales: - Actively source new gold loan customers through marketing activities, cold calls, references, and branch walk-ins. - Achieve assigned monthly/quarterly targets for gold loan disbursement volume and value (new loans and renewals). - Build and maintain strong relationships with existing and potential customers to foster loyalty and repeat business. - Cross-sell and up-sell other banking or financial products (e.g., insurance, fixed deposits, other loan products) to gold loan customers. - Conduct outbound promotional activities and area mapping to identify potential customer segments. - Gold Appraisal & Valuation: - Accurately appraise gold ornaments/jewelry presented by customers for purity (karatage) and weight using prescribed tools and methods. - Work closely with empaneled appraisers (Assayers) to ensure precise valuation and authenticity of gold. - Determine the eligible loan amount based on the appraised value and prevailing loan schemes/policies. - Loan Processing & Documentation: - Guide customers through the gold loan application process, explaining terms, conditions, interest rates, and repayment schedules clearly. - Collect and meticulously verify all necessary Know Your Customer (KYC) documents and loan application forms. - Ensure proper execution of loan agreements, pledge forms, and other legal documents. - Process loan applications, enter data accurately into the system, and facilitate timely loan sanction and disbursement within stipulated TAT (Turnaround Time). - Manage the physical custody of gold collateral, ensuring secure storage as per established protocols. - Customer Service & Relationship Management: - Provide exceptional customer service, addressing customer queries, concerns, and complaints efficiently and courteously. - Educate customers about various gold loan schemes, interest servicing, and renewal processes. - Maintain customer confidence by keeping loan information confidential. - Operations & Compliance: - Ensure 100% compliance with all internal policies, operational procedures, and regulatory guidelines (RBI, NHB, etc.) related to gold loans. - Maintain accurate records and registers related to gold loans at the branch level (e.g., gold articles received, disbursed, appraised). - Monitor the portfolio health to ensure timely repayments and support collection efforts for overdue accounts (0-90 DPD cases). - Ensure zero discrepancies during internal and concurrent audits. - Safeguard gold collateral and maintain custody of storage keys as per protocol.

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