Gold Loan Executive

HDB Financial Services Ltd.; Jaipur, Bikaner, Jodhpur; On-site; INR 250,000 - 450,000; Full time

Job summary

HDB Financial Services Ltd. in Jaipur invites applications for a frontline role coordinating with branch sales, supporting BSMs for lead conversion, and guiding customers on gold loan schemes based on need analysis.

The role involves gold valuation coordination, loan processing within set TAT, delinquency follow-ups, and file routing to COPS. Minimum knowledge in KYC and gold processes is preferred.

Qualifications

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

Responsibilities

• Coordinate with branch sales team and support BSM, SMs for lead conversion Tele-calling / follow up on leads given by salesteam 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 tele calling team for collections / follow up for payments from overdue borrowers Customer Support / Service as required.

Skills

Sales process management

KYC Knowledge

Gold process understanding

Product / Competition Knowledge

Job description

Role & responsibilities -

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

Preferred candidate profile -

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