Gold Loan Officer

Unity Small Finance Bank; Pune District; Sur place; INR 250 000 - 400 000; Plein temps

Résumé du poste

Unity Small Finance Bank is seeking a Gold Loan Officer for a full-time, on-site role in the Pune Division. The role covers end-to-end gold loan operations, customer interaction, documentation, and loan processing, with emphasis on product explanations and adherence to policy.

You will coordinate gold appraisals, verify credentials, monitor repayments, and support branch sales targets while safeguarding pledged assets and ensuring high-quality customer service.

Qualifications

• Strong customer service and relationship management skills.
• Basic understanding of loan products, documentation, and compliance practices.
• Sales and negotiation skills to promote gold loan offerings.
• Attention to detail and accurate record-keeping for transactions and documentation.

Responsabilités

• Handle end-to-end gold loan operations including customer interaction, gold appraisal coordination, documentation, and loan processing.
• Explain gold loan products, eligibility, interest rates, and repayment terms to customers.
• Verify customer credentials and maintain accurate records; monitor repayments and renewals.
• Support branch-level sales targets and collaborate with branch staff to drive gold loan business.
• Safeguard pledged gold assets and ensure adherence to policies and regulatory guidelines.

Connaissances

Customer service

Relationship management

Communication

Sales & negotiation

Attention to detail

Formation

Graduate in any discipline

Finance or banking certifications (advantage)

Outils

Banking software

Description du poste

Company Description

Unity Small Finance Bank is a new-age financial institution that uses best-in-class technology to offer safe, convenient, and simple banking services. The bank focuses on delivering accessible and user-friendly solutions to a diverse customer base. As an AMFI-registered Mutual Fund and SIF distributor (ARN 253241), Unity Small Finance Bank provides a range of investment and financial products. Team members join a tech-forward environment with opportunities to support customers in meeting their financial goals and security.

Role Description

This is a full-time, on-site Gold Loan Officer role based in the Pune Division. The Gold Loan Officer is responsible for handling end-to-end gold loan operations, including customer interaction, gold appraisal coordination, documentation, and loan processing. The role involves explaining gold loan products, eligibility, interest rates, and repayment terms to customers, and ensuring adherence to internal policies and regulatory guidelines. Daily activities include verifying customer credentials, maintaining accurate records, monitoring repayments, managing renewals, and supporting branch-level sales targets. The Gold Loan Officer also collaborates with branch staff to drive gold loan business, deliver high-quality customer service, and safeguard pledged gold assets.

Qualifications

• Candidates should possess strong customer service and relationship management skills, with the ability to communicate clearly and professionally.
• Candidates should possess basic financial and banking knowledge, including understanding of loan products, documentation, and compliance practices.
• Candidates should possess sales and negotiation skills to promote gold loan offerings and support branch business growth.
• Candidates should possess attention to detail, numerical accuracy, and record-keeping skills for handling transactions and documentation.
• Relevant experience in retail banking, NBFCs, or gold loan operations is beneficial.
• Minimum educational qualification: graduate in any discipline; additional certifications in finance or banking are an advantage.
• Comfort with using banking software and digital tools, and ability to work in a fast-paced branch environment.
• Integrity and adherence to ethical standards, especially in handling customer assets and sensitive information.