Credit Appraiser

4 days ago

Coimbatore, Tamil Nadu, India TVS Credit Services Ltd Full time ₹ 15,00,000 - ₹ 28,00,000 per year

Dear Candidate,

Greetings from TVS Credit Services Ltd

Credit & Operational Excellence:

  • Manage and oversee the Gold Loan portfolio of the branch, ensuring effective utilization and growth as second in command to branch head.
  • Assist branch head in all branch-level activities to drive business growth, including loan disbursement, cash management, vault keeping, customer service, and compliance with company policies.
  • Maintain important registers and prepare daily reports, providing accurate and up-to-date information to management.
  • Customer Relationship Management:
  • Build and maintain relationships with existing clients to drive gold loan business and enhance customer engagement.
  • Identify potential clients and effectively communicate the benefits of our gold loan products.
  • Ensuring timely interest collection from customers, managing the cash and storage of the underlying gold assets.
  • Follow up with customers to ensure timely interest collections and contribute to keeping Non-Performing Assets (NPAs) under control.

Valuation and Compliance:

  • Maintain accurate valuation appraisal of gold ornaments pledged in the branch, adhering to company policy and audit standards.
  • Verify weight and purity assessments as required through acid and salt test, pointed scratch test, weight test, smell test usability test, flexibility test, sound test etc.
  • Ensuring safety of Cash and Gold assets collected and storing it in the appropriate vaults in the branch with proper reporting and documentation.

Interested candidates please share your cv to

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