Gold Loan Officer - Gold Loan - Tiruvallur - TNHB Bypass Road - (J1-J3)

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.)

1. 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

1. 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

1. 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

1. 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

1. 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)