Gold Loan Officer - Gold Loan - Alwar - Data Arcade - J1 - J3

Tata Capital; Alwar; Sur place; INR 279 000 - 446 000; Plein temps

Résumé du poste

Tata Capital is seeking a Branch Gold Loan Executive to drive sourcing and appraisal at the local level, while ensuring accurate loan processing and exceptional customer service.

You will handle cash, branch records, and compliance tasks, along with market outreach to build relationships with jewelers and influencers in the local area.

Qualifications

• Graduate degree in commerce or related field.
• Gold appraisal certification preferred.
• Strong communication and customer-service mindset.

Responsabilités

• Drive gold loan sourcing through walk-ins, local references and field activities.
• Perform gold valuation and ensure accurate loan processing per standards.
• Handle customer queries via walk-ins, phone and email; nurture relationships.
• Manage branch cash, records, MIS, and system data with accuracy.
• Ensure KYC compliance, proper documentation and audit trails.
• Conduct local marketing and engage with jewelers and influencers to grow business.

Connaissances

Gold valuation

Sales & targets

Customer service

Loan processing

Cash handling

MS Office

Communication

Formation

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

Gold appraisal certification (preferred)

Description du poste

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

1. 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.)

2. 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

3. 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

4. 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

5. 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

6. 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)