Description

Role Purpose To drive acquisition, servicing, and portfolio growth for the Gold Loan business by delivering a superior customer experience, ensuring accurate gold appraisal and loan processing, and maintaining strong customer relationships while adhering to compliance and operational standards.

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Key Responsibilities

- Business Acquisition & Portfolio Growth
- Source new gold loan customers through branch walk-ins, local market outreach, and referrals
- Achieve monthly disbursement and revenue targets for gold loan products
- Identify cross-sell/up-sell opportunities (insurance, other loan products, etc.)
- Build and manage a healthy customer pipeline within the branch catchment

(Aligned from profiles handling sales, customer acquisition, and relationship management)

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- Gold Loan Processing & Disbursement
- Conduct preliminary gold appraisal/valuation and coordinate with appraisers where applicable
- Process gold loan applications including documentation, KYC verification, and eligibility checks
- Ensure accurate loan booking, disbursement, renewal, and closure within defined TAT
- Maintain high accuracy in documentation and system entries

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- Customer Relationship Management
- Build solid, long-term relationships with customers to ensure retention and repeat business
- Provide advisory support to customers on loan products and financial needs
- Handle customer queries, complaints, and service requests effectively





(Derived from CRM and customer handling responsibilities across profiles)

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- Gold Custody & Operational Support
- Support branch in gold packet handling, tagging, and safe custody processes
- Ensure proper documentation and audit trail for pledged gold
- Assist in reconciliation activities under guidance of branch operations

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- Compliance & Risk Adherence
- Ensure adherence to KYC norms, internal policies, and regulatory guidelines during loan processing
- Maintain vigilance against fraud and deviations in gold appraisal or documentation
- Support audit requirements including documentation verification and data readiness

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- Market Intelligence & Local Outreach
- Monitor local competition, gold rates, and customer trends in the catchment area
- Build relationships with local connectors (jewelers, agents, influencers) to drive sourcing
- Participate in branch-level campaigns and promotional activities

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Key Skills & Competencies

(Consolidated across all 3 profiles)

- Gold loan operations & appraisal basics
- Sales orientation & target achievement
- Customer relationship management (CRM)
- KYC & documentation handling
- Cash handling & basic operational processes
- Communication & interpersonal skills
- Basic MS Excel / computer skills

Qualification

- Graduate (B.Com / BBA / BCA / BA preferred)
- Certification in gold appraisal (preferred but not mandatory)

📌 Sales Manager - Gold Loan - Sales - Pune - Avaanti Residences & Premium Commercial Spaces-
🏢 Tata Capital
📍 Pune