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.

Key Responsibilities
1. 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)

2. 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

3. 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)

4. 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

5. 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 audi

📌 Sales Manager (Pune)
🏢 Tata Capital
📍 Pune