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.

Key Responsibilities

1. Business Acquisition & Portfolio Growth

• Source recent 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 strong, 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

📌 Sales Manager (Pune)
🏢 Tata Capital
📍 Pune