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 robust, 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 Mutual Fund
📍 Pune