Gold Loan Officer - Gold Loan

Tata Capital; Vaishali; On-site; INR 250,000 - 420,000; Full time

Job summary

Tata Capital invites applications for a Branch Gold Loan Officer in Bihar. You will drive gold loan sourcing, appraisal, and customer service at the branch, ensuring compliant loan processing and high customer satisfaction.

Key duties include acquiring business, valuing gold, processing loans with accuracy and timely disbursement, and maintaining strong relationships with customers, jewelers, and local influencers to grow the portfolio.

Qualifications

• Graduate degree in commerce or related field preferred; BBA/BCA/BA acceptable.
• Gold appraisal certification preferred but not mandatory.
• Experience in branch banking or gold loan operations is a plus.

Responsibilities

• Source gold loan business through walk-ins, local references, and field activities.
• Achieve monthly disbursement and portfolio growth targets.
• Conduct gold valuation and verify purity and weight as per company standards.
• Process loan applications including documentation, KYC, and data entry.
• Ensure accurate loan disbursement, renewal, and closure within TAT; counsel on eligibility and terms.
• Handle customer queries via walk-in, phone, and email; build relationships for repeat business.
• Manage cash transactions and assist in branch records and MIS.

Skills

Gold valuation basics

Sales & target orientation

Customer service & relationship mgmt

Loan processing & documentation

Cash handling

Communication & interpersonal

MS Office / data entry

Education

Graduate (B.Com / BBA / BCA / BA)

Certification in gold appraisal (preferred)

Tools

MS Office

Job description

Role Purpose

To drive gold loan sourcing, appraisal, and customer servicing at the branch level by ensuring accurate loan processing, strong customer engagement, and compliance with operational and regulatory standards.

Key Responsibilities

Customer Acquisition & Business Generation

• Source gold loan business through walk-ins, local references, and field activities
• Achieve monthly disbursement and portfolio growth targets
• Generate leads through referrals and cross-sell financial products (insurance, loans, etc)

Gold Appraisal & Loan Processing

• Conduct gold valuation (purity testing, weight verification) as per company standards
• Process loan applications including documentation, KYC verification, and data entry
• Ensure accurate loan disbursement, renewal, and closure within TAT
• Counsel customers on eligibility, interest rates, and repayment terms

Customer Relationship & Service

• Handle customer queries (walk-in, phone, email) and provide product guidance
• Build strong customer relationships to drive repeat business and retention
• Conduct follow-ups for renewals, collections, and overdue cases

Branch Operations & Cash Handling

• Manage cash transactions and ensure adherence to cash handling guidelines
• Support maintenance of branch records, daily MIS, and system data
• Assist in gold packet handling, tagging, and storage processes

Compliance & Audit Support

• Ensure adherence to KYC norms and internal policies for all transactions
• Maintain proper documentation and audit trails for all loans
• Support internal/external audits and ensure zero deviations

Market Outreach & Local Engagement

• Conduct local marketing activities, roadshows, and campaigns
• Build relationships with local influencers, jewelers, and connectors
• Track competitor offerings and gold price trends

Key Skills & Competencies

• Gold valuation & appraisal basics
• Sales & target orientation
• Customer service & relationship management
• Loan processing & documentation
• Cash handling & basic operations
• Communication & interpersonal skills
• MS Office / data entry

Qualification

• Graduate (B.
  Com / BBA / BCA / BA preferred)
• Certification in gold appraisal (preferred)

This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.