Gold Loan Officer - Gold Loan - Vellore - Gandhi Nagar - (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)