Gold Loan Executive

HDB Financial Services; Talegaon Dabhade, Mandsaur; On-site; INR 300,000 - 540,000; Full time

Job summary

HDB Financial Services is seeking a field-based role coordinating with branch sales, supporting lead conversions, and guiding customers through gold loan processes. You will handle valuations, coordinate with valuators, and ensure timely loan processing.

The role requires at least 2 years in gold valuation at NBFCs, with experience in collections and auctions preferred, and strong KYC knowledge to ensure compliant sales and documentation.

Qualifications

• Minimum 2 years of experience in gold valuation at NBFCs.
• Experience in collection and auction is preferred.
• Understanding of gold process, KYC and sales procedures.

Responsibilities

• Coordinate with branch sales team and support for lead conversion and tele-calling/follow-up.
• Explain product details and suggest schemes based on client need.
• Manage gold valuation process and liaise with valuator; ensure process compliance.
• Update valuation details in the Gold portal and loan booking system; ensure TAT.
• Follow up with delinquent customers to keep 30 DPD bucket in check.
• Coordinate timely interest collection and loan disbursal in the system.
• Custody and record-keeping of gold packets; handling related paperwork.
• Raise payment requests/cheque disbursement as per process.
• Send complete file to COPS and interface with MIS/regional teams.
• Coordinate with central tele calling team for collections.

Skills

Collection experience

Auction experience

Gold valuation

KYC knowledge

Sales process understanding

Job description

Job Role :

• 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.

Key Responsibilities :

• 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

Mandatory Skills :

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