Looking For Gold Loan Officer

Tata Capital; Dharashiv; On-site; INR 250,000 - 350,000; Full time

Job summary

Tata Capital seeks a field‑oriented professional to drive gold loan acquisition and portfolio growth in Maharashtra. You will source customers through walk-ins, referrals, and local engagements while ensuring timely disbursements and compliance.

You will handle gold valuation, loan documentation, KYC, cash handling, and branch support, while building lasting customer relationships and contributing to local campaigns and market outreach.

Qualifications

• Proven experience in gold loan sales or secured lending.
• Ability to source customers via walk-ins, referrals, and field activities.
• Knowledge of gold valuation and loan processing basics.
• Strong cash handling and branch operations understanding.
• Excellent communication and relationship management skills.
• Familiarity with KYC norms and basic documentation.

Responsibilities

• 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.
• Conduct gold valuation, verify purity and weight per standards.
• Process loan applications with documentation and KYC checks.
• Ensure accurate disbursement, renewal and closure within TAT.
• Handle customer queries and build lasting relationships.
• Support cash handling and branch record maintenance.
• Assist in audits and maintain proper documentation.
• Participate in local marketing and outreach activities.

Skills

Gold valuation basics

Sales target orientation

Customer service & relationship mgmt

Loan processing & documentation

Cash handling

Communication & interpersonal skills

MS Office / data entry

Tools

MS Office

Job description

Role & 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

(Consolidated from profiles + market data)

• 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