Executive- Gold Loan-Modasa,Bharuch, Surendranagar,Amreli,Bhuj,Dhoraji

HDB Financial Services; Surendranagar, Gandhidham, Keshod; Sur place; INR 280 000 - 360 000; Plein temps

Résumé du poste

HDB Financial Services is seeking a field-oriented professional in Gujarat to coordinate with branch sales teams for lead conversion and support gold valuation processes. You will interact with customers at the branch, explain products, and determine suitable schemes based on needs analysis.

The role involves handling gold valuation, updating portals, ensuring timely loan processing, and following up on collections and payments while maintaining custody of gold assets.

Qualifications

• Graduate with minimum 2–4 years of experience.
• Experience in collections and auctions preferred.
• Minimum 2 years in gold valuation at gold loan NBFCs.

Responsabilités

• Coordinate with branch sales team and support for lead conversion.
• Tele-calling / follow up on leads from sales team and Corporate office.
• Explain product details at customer walk-ins and suggest schemes based on need analysis.
• Manage gold valuation with valuator and ensure process adherence.
• Update valuation details in Gold portal and loan booking system.
• Ensure loan processing within stipulated TAT.
• Follow up with delinquent customers to avoid 30 DPD bucket.
• Follow up for timely interest collection.
• Disburse gold loan files in the system and custody of gold packets.
• Raise payment requests and organize cheque disbursement.
• Prepare complete files for submission to COPS and interface with MIS.
• Coordinate with central telecalling team for collections from overdue borrowers.
• Provide customer support / service as required.

Connaissances

Gold valuation

Collections

Auction knowledge

Lead follow-up

NBFC experience

Formation

Graduate

Description du poste

Role & responsibilities

Coordinate with branch sales team and support BSM, SMs for lead conversion

• Tele-calling / follow up on leads given by sales team and Corporate office
• Coordinate customer walk in branch. Explain product details to customer and suggest scheme based on need analysis
• Conduct self gold valuation and inform gold loan amount. Manage external gold valuation process i.e. interacting with valuator making sure that the process is followed
• Update valuation details in system i.e. Gold portal and loan booking system
• Ensure loan processing completed within stipulated TAT.
• Follow up with delinquent customer and ensure that customer does not cross 30 DPD bucket
• Follow up with customer for timely interest collection
• Gold loan file disbursal in system (this could be done by BOM for most Branches)
• Custody of gold packets in the office, record it as per process
• Raise Payment Request / Cheque Disbursement, record it as per process
• Arrange to send the complete file to COPS as per process.
• Manage Related MIS, interface with COPS, regional teams as might be required.
• Co-ordinate with central telecalling team for collections / follow up for payments from overdue borrowers
• Customer Support / Service as required.

Preferred candidate profile

Graduate with Minimum 2-4 yrs experience

• Experience in collection and auction will be preferred.
• Min 2 years experience in gold valuation at gold loan NBFCs.