Gold Loan Officer

20 hours ago

Cochin, Kerala, India MALANKARA MULTI STATE COOPERATIVE CREDIT SOCIETY LIMITED Full time

Gold loan manager will be responsible for managing the gold loan portfolio, Driving business development, Ensuring compliance with regulatory requirements and providing exceptional customer service.

Gold loan manager have strong understanding of the gold loan market, risk assessment, and the ability to lead a team effectively..

Oversee the gold nonportfolio, ensuring healthy loan growth and minimizing delinquency rate.

Monitor market trends and competitor activities to adapt strategies and enhance product offerings.

Develop and maintain strong relationships with customers to facilitate repeat business,

Ensuring best practices in gold appraisal and evaluate customer's goals assets for loan eligibility and determine appropriate LTV ratio.

Lead , train, and motivate the gold loan team to achieve performance targets and conduct regular performance & business target review

Ensure to compliance all transactions and take over the gold as per our policy and relevant legal and regulatory frameworks.

Overseeing the day to day operations if the branch to ensure efficient customer service in Gold loan

.Developing and implementing strategies to grow the business through cross- selling of gold loans and other financial products. Analyze trends and prepare forecasts to assist in strategic planning.

Develop strategies to drive business growth and expand the gold loan products and collaborate with marketing teams to create outreach programmes.

Ensure to compliance the cash managements and assets transits and proper maintenance of documentations and files.

Loan Disbursement:-

Application processing:-Ensure timely processing and sanctioning of gold loans once all requirements are met.

Disbursement Oversight:- Oversee the disbursement of fund to the customer in a manner compliant with internal policies.

Repayment monitoring :-Track and manage loan repayment schedules, ensuring timely collections and implement strategies to handle overdue loans, including communications with borrowers and collection process.

Job Type: Full-time

Pay: ₹15, ₹25,000.00 per month

Benefits:

  • Provident Fund

Work Location: In person

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