Branch Loan Officer - Hyderabad

Better Tomorrow Ventures; Hyderabad; On-site; INR 300,000 - 500,000; Full time

Job summary

A financial services firm in Hyderabad is seeking an experienced professional to assist customers with gold loan inquiries and applications. The candidate will evaluate gold ornaments, process loans, and ensure compliance with KYC norms. The ideal applicant has 1 to 3 years of experience in gold loan operations, expertise in gold assaying, and a strong understanding of RBI guidelines. This role emphasizes delivering exceptional customer service while managing loan processes efficiently.

Qualifications

• 1 to 3 years of experience in gold loan operations at a bank, NBFC, or gold loan company.
• Hands-on experience in gold assaying including fire assays, karat meter testing, and acid testing.
• Knowledge of RBI LTV norms, KYC/AML compliance, and gold loan documentation.

Responsibilities

• Receive and assist customer walk-ins at the branch for gold loan inquiries and applications.
• Conduct gold purity assessment and assaying using fire assay, karat meter, and acid testing methods.
• Evaluate gold ornaments for weight, purity, and applicable loan-to-value (LTV) as per RBI guidelines.
• Process loan applications ensuring end-to-end documentation and disbursement.
• Verify customer KYC documents and maintain compliance with internal and regulatory norms.
• Ensure accurate gold storage, tagging, and custodianship as per SOPs.
• Deliver superior customer experience at the branch, ensuring resolution of queries and concerns.

Skills

Gold loan operations experience

Gold assaying techniques

Customer service

KYC/AML compliance knowledge

Loan processing

Job description

indiagold hasbuilt a product & technology platform that enables regulatedentities to launch or grow their asset backed products acrossgeographies; without investing in operations, technology, peopleor taking any valuation, storage or transit risks.

Our use ofdeep-tech is changing how asset backed loans have been donetraditionally. Some examples of our innovation are – lendingagainst digital gold, 100% paperless/digital loan onboardingprocess, computer vision to test gold purity as opposed to manual testing, auto- scheduling of feet-on-street, customerself-onboarding, gold locker model to expand TAM & launchzero-touch gold loans, zero network business app & many more.

We are rapidlygrowing team passionate about solving massive challenges aroundfinancial well-being.

We are a rapidlygrowing organisation with empowered opportunities across Sales,Business Development, Partnerships, Sales Operations, Credit,Pricing, Customer Service, Business Product, Design, Product,Engineering, People & Finance across several cities. Wevalue the right aptitude & attitude than past experience ina related role, so feel free to reach out if you believe we canbe good for each other.

Job Description

• Receive and assist customerwalk-ins at the branch for gold loan inquiries and applications
• Conduct gold purity assessment andassaying using fire assay, karat meter, and acid testing methods
• Evaluate gold ornaments for weight, purity, and applicable loan-to-value (LTV) as per RBI guidelines
• Process loan applications routedto the branch by Loan Managers (LMs), ensuring end-to-end documentation anddisbursement
• Verify customer KYC documents andmaintain compliance with internal and regulatory norms
• Coordinate with LMs and branchoperations for smooth loan processing and turnaround
• Ensure accurate gold storage,tagging, and custodianship as per SOPs
• Maintain zero deviation from auditand compliance requirements during all gold handling activities
• Deliver superior customerexperience at the branch, ensuring resolution of queries and concerns

Requirements

• 1 to 3 years of experience in gold loanoperations at a bank, NBFC, or gold loan company
• Hands-on experience in goldassaying — fire assays, karat meter testing, and acid testing
• Prior experience working in a branch model (not DSA/field sales)
• Knowledge of RBI LTV norms,KYC/AML compliance, and gold loan documentation
• Ability to handle branch-levelloan processing independently