Relationship Officer Gold Loan

Functional Competencies: · Understanding of gold loan products and lending process. · Customer service and sales orientation. · Basic knowledge of documentation, KYC, and credit norms. · Data entry and basic computer skills (MS Excel, email, banking software). · Ability to manage fieldwork and customer visits. Behavioural Competencies: · High level of integrity and ethical conduct. · Strong communication and interpersonal skills. · Self-motivated and target driven. · Ability to work independently and as part of a team. · Discipline, punctuality, and professional grooming. Job Responsibilities: Financial Responsibilities: · Achieve monthly and quarterly targets for gold loan disbursement and portfolio growth. · Cross-sell insurance, savings accounts, and other financial products to gold loan customers. · Monitor repayments and minimize delinquencies by ensuring timely collections. · Assist in cash handling and safe documentation during gold loan processing (if required). · Support the branch in enhancing profitability through quality sourcing and customer retention Non-financial Responsibilities: · Conduct field visits and community outreach to source gold loan customers. · Verify gold and KYC documents, ensure accurate data entry and loan application processing. · Provide clear communication to customers on interest rates, terms, and repayment schedules. · Maintain regular follow-ups with customers for renewals, top-ups, and feedback. · Ensure a high level of customer satisfaction through responsive and transparent service. · Assist in maintaining branch hygiene, proper storage of pledged gold, and accurate record-keeping. · Coordinate with valuation personnel and back-office teams for seamless loan disbursal Compliance and Risk Responsibilities: · Ensure adherence to all internal policies, RBI regulations, and operational procedures for gold loans. · Maintain confidentiality of customer information and transaction data. · Follow security protocols for gold storage and handling. · Report suspicious transactions or potential frauds immediately to reporting authority. · Ensure documentation is audit-ready and error-free. Additional Requirements: · Must own a mobile phone and two-wheeler (bike) for daily field activities. · Should be comfortable using computers, emails, and banking applications for daily reporting and data entry. · Willingness to travel locally for customer sourcing and service.