Gold Loan Officer

3 days ago

Dharwad Karnataka Shimoga, India Unity Small Finance Bank Full time ₹ 4,00,000 - ₹ 8,00,000 per year

Interested candidate please share resume on below email ID

GLSO JD -

1. Prospecting and Lead Generation

- Identify and target potential customers (individuals, small businesses, etc.) needing gold loans.

- Generate leads through cold calling, referrals, local market visits, and community engagement.

- Plan & execute marketing activities within 5 km radius of the branch

- Travel extensively within assigned areas to meet customers.

2. Customer Acquisition and Relationship Management

- Educate customers about gold loan products, terms, interest rates, and benefits.

- Assess customer needs and recommend suitable loan schemes.

- Build trust by addressing queries, resolving concerns, and ensuring transparency.

3. Documentation

- Guide customers through documentation processes (ID proof, address proof, etc.) and ensure compliance with KYC norms.

4. Sales Targets and Business Growth

- Meet or exceed monthly/quarterly sales targets for loan disbursements.

- Expand the customer base in assigned territories through aggressive field sales activities.

5. Market Intelligence and Feedback

- Report competitor activities, market trends, and customer feedback to management.

- Suggest improvements to loan products or processes based on field insights.

GLO JD  -

Attending customers who are visiting the branch for availing a gold loan or for any activity related to their existing gold loan

  • Explaining the product & convincing customers to avail gold loan
  • Executing all system entries in the Gold Loan LOS & LMS system
  • Ensuring TAT adherence in the disbursal of the loan
  • Coordinating & managing the relationship with External Valuer to ensure timely valuation of the customer's gold
  • Coordinating with the Internal Audit team and ensuring satisfactory audit reports
  • Coordinating with HO Team for approvals, clarifications, etc to ensure timely sanction & disbursal of gold loans Responsible for the growth & quality of gold loan book of the branch.
  • Following up for payment with overdue and margin shortfall customers and ensuring collections as per targets
  • Maintaining various MIS & Reports
  • Suggesting changes to the product team to improve the customer experience & turnaround time

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