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HR [email protected]

Role & responsibilities

Attending customers who are visiting the branch for availing a gold loan or for any activity related to their existing gold loan
- Explaining the product & convincing customers to avail gold loan
- Executing all system entries in the Gold Loan LOS & LMS system
- Ensuring TAT adherence in the disbursal of the loan
- Coordinating & managing the relationship with External Valuer to ensure timely valuation of the customer's gold
- Coordinating with the Internal Audit team and ensuring satisfactory audit reports
- Coordinating with HO Team for approvals, clarifications, etc to ensure timely sanction & disbursal of gold loans Responsible for the growth & quality of gold loan book of the branch.
- Following up for payment with overdue and margin shortfall customers and ensuring collections as per targets
- Maintaining various MIS & Reports
- Suggesting changes to the product team to improve the customer experience & turnaround timeP
- Prospecting and Lead Generation




- Identify and target potential customers (individuals, small businesses, etc.) needing gold loans.
- Generate leads through cold calling, referrals, local market visits, and community engagement.
- Plan & execute marketing activities within 5 km radius of the branch
- Travel extensively within assigned areas to meet customers.

2. Customer Acquisition and Relationship Management
- Educate customers about gold loan products, terms, interest rates, and advantages.
- Assess customer needs and recommend suitable loan schemes.
- Build trust by addressing queries, resolving concerns, and ensuring transparency.

3. Documentation
- Guide customers through documentation processes (ID proof, address proof, etc.) and ensure compliance with KYC norms.

4. Sales Targets and Business Growth
- Meet or exceed monthly/quarterly sales targets for loan disbursements.
- Expand the customer base in assigned territories through aggressive field sales

📌 Walk-in || Gold Loan Officer (Ludhiana)
🏢 Unity Small Finance Bank
📍 Ludhiana