Gold Loan Officer - Gold Loan - Kanchipuram - KBJ Hari Corporate Complex - (J1-J3)

Key Responsibilities

1. Customer Acquisition & Business Generation

• Source gold loan business through walk-ins, local references, and field activities
• Achieve monthly disbursement and portfolio growth targets
• Generate leads through referrals and cross-sell financial products (insurance, loans, etc.)

2. Gold Appraisal & Loan Processing

• Conduct gold valuation (purity testing, weight verification) as per company standards
• Process loan applications including documentation, KYC verification, and data entry
• Ensure accurate loan disbursement, renewal, and closure within TAT
• Counsel customers on eligibility, interest rates, and repayment terms

3. Customer Relationship & Service

• Handle customer queries (walk-in, phone, email) and provide product guidance
• Build strong customer relationships to drive repeat business and retention
• Conduct follow-ups for renewals, collections, and overdue cases

4. Branch Operations & Cash Handling

• Manage cash transactions and ensure adherence to cash handling guidelines
• Support maintenance of branch records, daily MIS, and system data
• Assist in gold packet handling, tagging, and storage processes

5. Compliance & Audit Support

• Ensure adherence to KYC norms and internal policies for all transactions
• Maintain proper documentation and audit trails for all loans
• Support internal/external audits and ensure zero deviations

6. Market Outreach & Local Engagement

• Conduct local marketing activities, roadshows, and campaigns
• Build relationships with local influencers, jewelers, and connectors
• Track competitor offerings and gold price trends

Key Skills & Competencies
(Consolidated from profiles + market data)

• Gold valuation & appraisal basics
• Sales & target orientation
• Customer service & relationship management
• Loan processing & documentation
• Cash handling & basic operations
• Communication & interpersonal skills
• MS Office / data entry

Qualification

• Graduate (B.Com / BBA / BCA / BA preferred)
• Certification in gold appraisal (preferred)