Responsibilities:
Business Development & Sales:
Actively source current gold loan customers through marketing activities, cold calls, references, and branch walk-ins.
Achieve assigned monthly/quarterly targets for gold loan disbursement volume and value (recent loans and renewals).
Build and maintain solid relationships with existing and potential customers to foster loyalty and repeat business.
Cross-sell and up-sell other banking or financial products (e.g., insurance, fixed deposits, other loan products) to gold loan customers.
Conduct outbound promotional activities and area mapping to identify potential customer segments.
Gold Appraisal & Valuation:
Accurately appraise gold ornaments/jewelry presented by customers for purity (karatage) and weight using prescribed tools and methods.
Work closely with empaneled appraisers (Assayers) to ensure precise valuation and authenticity of gold.
Determine the eligible loan amount based on the appraised value and prevailing loan schemes/policies.
Loan Processing & Documentation:




Guide customers through the gold loan application process, explaining terms, conditions, interest rates, and repayment schedules clearly.
Collect and meticulously verify all necessary Know Your Customer (KYC) documents and loan application forms.
Ensure proper execution of loan agreements, pledge forms, and other legal documents.
Process loan applications, enter data accurately into the system, and facilitate timely loan sanction and disbursement within stipulated TAT (Turnaround Time).
Manage the physical custody of gold collateral, ensuring secure storage as per established protocols.
Customer Service & Relationship Management:
Provide exceptional customer service, addressing customer queries, concerns, and complaints efficiently and courteously.
Educate customers about various gold loan schemes, interest servicing, and renewal processes.
Maintain customer confidence by keeping loan information confidential.
Ope

📌 Gold Loan Officer Ranchi
🏢 Ujjivan Small Finance Bank
📍 Ranchi