Key Responsibilities
Credit & Operational Excellence
- Manage and oversee the Gold Loan portfolio of the branch as the second-in-command to the Branch Head.
- Assist the Branch Head in core branch activities like loan disbursement, cash handling, vault operations, customer service, and compliance.
- Maintain key registers and prepare accurate daily reports for management visibility.
Customer Relationship Management
- Build and nurture robust relationships with existing customers to promote gold loan products.
- Identify new customer prospects and effectively pitch gold loan offerings.
- Ensure timely interest collection from customers and proactively manage overdue cases.
- Maintain tight control over Non-Performing Assets (NPAs) and support recovery efforts.
Valuation and Compliance
- Conduct accurate valuation and appraisal of pledged gold ornaments in adherence to company standards and audit norms.
- Perform purity checks using methods like acid/salt test, pointed scratch test, weight test, smell test, usability test, flexibility test, and sound test.
- Ensure safety and proper documentation of cash and gold assets; store in designated vaults securely.