Relationship Officer -Gold Loan

Utkarsh Small Finance Bank; Varanasi, Gorakhpur District; On-site; INR 250,000 - 350,000; Full time

Job summary

Utkarsh Small Finance Bank in Varanasi is seeking a Gold Loan Sales professional to source clients, assess credit needs, and ensure compliance across the loan lifecycle. The role emphasizes client queries resolution, accurate documentation, and timely reporting.

Candidate should have 1 year of experience in gold loan sales and a proactive approach to customer service, with a focus on maintaining strict credit discipline and achieving targets.

Qualifications

• Experience in selling gold loans or secured lending.
• Knowledge of credit products and client profiling.

Responsibilities

• Source loan clients in line with business plan and targets.
• Create and maintain strict credit discipline to minimize defaults.
• Monitor loan portfolio and conduct utilization checks and visits.
• Ensure compliance with policies and improve processes.
• Maintain accurate records and timely reporting.
• Understand customer needs and respond to queries to ensure satisfaction.
• Explain loan provisions, obtain signatures/notarization and collect fees.
• Perform any other work assigned from time to time.

Skills

Gold loan sales

Job description

Role & responsibilities

• To source loan clients in line with the business plan and target
• Create and maintain strict credit discipline, ensuring zero defaults in recovery
• Monitor the loan portfolio, including conducting loan utilization checks and regular monitoring visits
• Ensure compliance with policies, procedures, and practices, while continuously contributing to their improvement
• Maintain accurate and timely record-keeping and reporting
• Understand customer needs and respond to queries and issues to ensure customer satisfaction
• Complete loan contracts by explaining provisions to applicants, obtaining signatures and notarization, and collecting fees

Perform any other work assigned from time to time

Preferred candidate profile

Having 1 year Experience in Gold Loan Sell