The Relationship Officer for Gold Loan in a Microfinance Institution MFI will focus on providing accessible gold loan products to low-income individuals small businesses and underserved communities This role will involve acquiring current clients managing a portfolio of gold loans and ensuring high-quality service delivery while adhering to MFI protocols and compliance standards The officer will be responsible for meeting loan disbursement targets and maintaining long-term relationships with clients Key Responsibilities Client Acquisition Community Engagement Identify and acquire new customers for gold loan products in rural semi-urban or underserved markets Conduct outreach programs village visits and community-level marketing to generate leads and promote gold loans Build relationships with local community leaders small business owners and individuals seeking financial solutions Promote financial literacy and educate customers on the benefits of using gold as collateral for loans Loan Processing Documentation Facilitate the gold loan application process by assisting clients with documentation assessment and submission of necessary KYC and financial documents Conduct on-site evaluations and verify the value of gold ensuring proper valuation and loan amount calculations Follow MFI guidelines for loan disbursal ensuring all documentation is compliant with both internal policies and regulatory requirements Portfolio Management Customer Retention Manage a portfolio of gold loan customers ensuring timely loan disbursal collection and repayment Follow up with customers regarding repayments offer flexible solutions in case of payment difficulties and ensure regular communication Address and resolve customer concerns or issues promptly maintaining a high level of customer satisfaction and trust Cross-Selling Financial Inclusion Cross-sell other MFI products such as microloans savings insurance and pension products to existing clients Promote financial inclusion by educating clients about other financial products tailored to their needs encouraging sustainable financial behavior Sales Targets Performance Achieve monthly and quarterly sales targets for gold loan disbursals ensuring growth in the loan book while maintaining healthy portfolio quality Track performance metrics report on sales progress and ensure compliance with MFI standards for loan collections Compliance Risk Management Ensure all loan transactions are processed in compliance with MFI policies financial regulations and government guidelines Evaluate the risks associated with individual loans ensure proper documentation and identify signs of potential defaults or fraud Maintain accurate loan records monitor loan recovery and engage in collections efforts when necessary Engage in grassroots marketing and awareness campaigns to build trust and expand the reach of the gold loan product Provide feedback to management regarding customer needs market challenges and potential improvements in the gold loan product offerings Skills and Qualifications Education Graduation in any discipline preferably in finance business administration or social sciences Certification or courses related to microfinance or financial services is a plus Experience 1-3 years of experience in gold loan or small loans in rural urban areas is highly preferred Skills Strong interpersonal communication and relationship-building skills Ability to assess client needs and suggest suitable gold loan products Familiarity with MFI operational models including micro-lending financial inclusion and community development Knowledge of regulatory and compliance requirements in microfinance and gold loan sectors Problem-solving skills and the ability to offer flexible loan repayment solutions Certifications Any certifications related to microfinance banking or financial services will be an advantage Key Competencies Customer-Centric Approach Ability to understand and meet the needs of clients in rural and underserved markets Sales Orientation Strong drive to achieve sales targets and generate business while ensuring client satisfaction Risk Awareness Ability to assess and mitigate risks related to loan disbursal and repayment Community Engagement Understanding of the community s financial needs and ability to promote financial inclusion effectively Time Management Ability to juggle multiple tasks prioritize and maintain efficiency in a fast-paced environment Work Environment Primarily field-based role with frequent interactions in rural semi-urban or community-based settings Requires flexibility to work in local markets and villages with limited infrastructure Will involve occasional evening or weekend work depending on client needs Job Type Full-time Pay 15 000 00 - 240 000 00 per month Perks Food provided Health insurance Life insurance Provident Fund Schedule Morning shift Supplemental Pay Yearly bonus Application Question s How much file you disbursed per month Location Tiruchengodu Tamil Nadu Preferred Work Location In person Speak with the employer 91 (phone hidden)

📌 Relationship Officer-gold Loan (Tiruchengode)
🏢 Kiara Microcredit Private
📍 Tiruchengode