Relationship Manager

Bajaj Finserv Limited; Ahmednagar, Gondia City; In loco; INR 500.000 - 800.000; Tempo pieno

Descrizione del lavoro

Bajaj Finserv Limited is seeking an experienced Gold Loan Professional to manage high-value transactions, ensure accurate asset valuation, and drive business growth across Maharashtra locations. You will apply your expertise in gold appraisal, risk management, and customer service to build a healthy loan portfolio while delivering premium support to premium clients.

Responsibilities include driving sales targets, maintaining strong client relationships, implementing local marketing initiatives,

Competenze

• 2–7+ years of experience in gold loan operations, appraisal, or sales.
• Bachelors degree in any discipline; gold appraisal certification preferred.
• Proficiency in gold testing methods and core banking software.

Mansioni

• Drive sales targets by sourcing high-ticket gold loan customers.
• Manage customer relationships to maximize retention and renewals.
• Oversee vault management, collections, and compliance with AML policies.

Conoscenze

Gold loan operations

Risk management

Business development

Customer relationship management

Gold appraisal

Formazione

Bachelor's degree in any discipline

Gold appraisal certification

Strumenti

Core banking software

Gold testing techniques

Descrizione del lavoro

Job Summary

We are seeking an experienced and results-driven Gold Loan Professional to manage high-value transactions, ensure accurate asset valuation, and drive business growth. In this role, you will leverage your expertise in gold appraisal and risk management to maintain a healthy loan portfolio while delivering exceptional service to premium clients.

Location: All Maharashtra locations are available

Key ResponsibilitiesBusiness Development & Portfolio Management

• Drive sales targets by sourcing high-ticket gold loan customers and cross-selling financial products.
• Manage customer relationships to ensure high retention rates and maximize renewals of existing loans.
• Implement local marketing strategies to increase branch walk-ins and market penetration.

Gold Valuation & Risk Control

• Appraise gold ornaments accurately for weight, purity (carat), and market value using standard testing methods.
• Verify KYC documentation and ensure strict compliance with internal policies and regulatory anti-money laundering (AML) guidelines.
• Mitigate credit risk by identifying spurious or low-purity gold and preventing fraudulent transactions.

Operations & Collections

• Oversee vault management, ensuring the safe custody, periodic auditing, and secure storage of pledged gold.
• Manage non-performing assets (NPA) by leading recovery and collection efforts for overdue accounts.
• Coordinate public auctions for defaulted loans in compliance with legal and regulatory frameworks.

Required Qualifications & Experience

• Experience: 2 to 7+ years of experience in Gold Loan operations, appraisal, or sales within a bank or Non-Banking Financial Company (NBFC).
• Education: Bachelors degree in any discipline (a certification in Gold Appraisal is highly preferred).
• Technical Skills: Proficiency in manual gold testing techniques (touchstone/acid test) and familiarity with core banking software.

Key Competencies

• Strong risk awareness with a proven track record of zero-valuation errors or fraud in past roles.
• Excellent negotiation skills to handle high-net-worth individuals (HNIs) and manage difficult collection scenarios.
• Local language fluency and strong demographic knowledge of the branch territory.J