Gold Loan Officer

Key Responsibilities

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.)

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

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

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

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

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)