Gold Loan Officer

Jana Small Finance Bank; Madurai District, Coimbatore District, Erode; On-site; INR 350,000 - 550,000; Full time

Job summary

Jana Small Finance Bank is seeking a Customer Relationship Manager (CRM) for its gold loan vertical to drive sales, engage customers, and manage end-to-end loan processes. The role focuses on sourcing new customers, building loyalty, and managing the loan portfolio to achieve revenue targets.

Ideal candidates will demonstrate strong communication and sales skills, basic financial knowledge, and a genuine passion for customer service within a banking or NBFC environment.

Qualifications

• Excellent communication and sales skills.
• Basic financial knowledge.
• Experience in banking or NBFC environment.

Responsibilities

• Sales & Business Development: Sourcing new gold loan customers and expanding the client base.
• Sales & Business Development: Meeting sales targets and driving revenue growth for the branch.
• Sales & Business Development: Cross-selling other financial products to existing customers.
• Customer Relationship Management: Building and maintaining strong relationships with new and existing customers.
• Customer Relationship Management: Providing excellent customer service and resolving issues promptly to ensure satisfaction.
• Customer Relationship Management: Managing the customer lifecycle, from initial inquiry to loan disbursal and follow-up.
• Loan Operations: Explaining gold loan products and convincing customers to avail them.
• Loan Operations: Conducting gold appraisals and evaluating loan applications.
• Loan Operations: Processing loan applications, ensuring timely disbursal of funds.
• Loan Operations: Managing collections and following up with overdue customers.
• Compliance & Reporting: Ensuring adherence to company policies and regulatory guidelines.
• Compliance & Reporting: Maintaining accurate records, reports, and transaction details.
• Compliance & Reporting: Coordinating with internal audit teams to ensure satisfactory reports

Skills

Sales skills

Communication

Customer service

Financial knowledge

Job description

Job Description

A Customer Relationship Manager (CRM) in the gold loan sector is responsible for sales, customer engagement, and relationship management, focusing on sourcing new customers, building loyalty, and managing loan portfolios to achieve revenue targets. Key duties include promoting gold loan products, appraising gold, processing loans, resolving customer issues, maintaining accurate records, and ensuring compliance with regulations.

Success in this role requires excellent communication, sales skills, basic financial knowledge, and a passion for customer service in the banking or NBFC environment.

Key Responsibilities

• Sales & Business Development: Sourcing new customers and expanding the gold loan client base.


• Sales & Business Development: Meeting sales targets and driving revenue growth for the branch.


• Sales & Business Development: Cross-selling other financial products to existing customers.


• Customer Relationship Management: Building and maintaining strong relationships with new and existing customers.


• Customer Relationship Management: Providing excellent customer service and resolving issues promptly to ensure satisfaction.


• Customer Relationship Management: Managing the customer lifecycle, from initial inquiry to loan disbursal and follow-up.


• Loan Operations: Explaining gold loan products and convincing customers to avail them.


• Loan Operations: Conducting gold appraisals and evaluating loan applications.


• Loan Operations: Processing loan applications, ensuring timely disbursal of funds.


• Loan Operations: Managing collections and following up with overdue customers.


• Compliance & Reporting: Ensuring adherence to company policies and regulatory guidelines.


• Compliance & Reporting: Maintaining accurate records, reports, and transaction details.


• Compliance & Reporting: Coordinating with internal audit teams to ensure satisfactory reports