Executive - Gold Loans

HDB Financial Services Ltd.; Mumbai; On-site; INR 350,000 - 520,000; Full time

Job summary

HDB Financial Services Ltd. is seeking a field-oriented professional to support branch sales and loan processing activities. You will coordinate with the branch sales team, tele-call on leads, assist customers who walk in, explain product details, and manage gold valuation and loan booking workflows.

The role involves interacting with valuators, updating gold and loan systems, ensuring timely loan processing, and following up on delinquent accounts as part of Collections support.

Qualifications

• Experience in FMCG/Direct sales environment.
• Understanding of gold loan processes and KYC requirements.
• Familiarity with sales process and basic marketing.

Responsibilities

• Coordinate with branch sales team and support for lead conversion and follow-up.
• Tele-calling / follow up on leads provided by sales team and Corporate office.
• Interact with customers walking in to the branch and provide product explanations based on need analysis.
• Perform self gold valuation and communicate loan amount to customers.
• Coordinate with valuators to ensure the gold valuation process is followed and updated in systems.
• Ensure loan processing is completed within the defined TAT and update relevant portals.

Skills

Sales process knowledge

KYC knowledge

Customer service

Job description

Job Role

• 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 with customer who 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.

Key Reponsibilities

• Sales process management in FMCG/ Direct sales company.
• Understanding of gold process.
• Undersstanding of KYC Knowledge & Sales process.
• Gold loan Sales process & BTL Marketing Process understanding.
• Product /Competition Knowledge.