Gold Loan Officer Responsibilities
Meet customers who want loans against gold jewellery.
Explain gold loan products, interest rates, tenure, charges, and repayment terms.
Verify customer KYC and documents.
Examine and assess the purity and weight of gold according to company procedures.
Calculate the eligible Loan-to-Value (LTV) and loan amount.
Complete loan application, documentation, and agreement formalities.
Coordinate with the gold appraiser/branch team for valuation and approval.
Disburse approved loans and ensure proper custody and security of pledged gold.
Follow up with customers for EMI/interest payments and renewals.
Handle overdue accounts and assist with recovery while following company policies.
Maintain accurate records and comply with RBI/company KYC, AML, and gold-security requirements.
Achieve branch targets for loan disbursement, customer acquisition, renewals, and collections.

Field / Microfinance Loan Officer – Responsibilities
Visit villages, rural areas, or assigned customer locations regularly.
Identify and acquire recent borrowers.




Explain microfinance loan products, eligibility, interest, repayment schedule, and terms.
Conduct field-level customer verification and KYC checks.
Assess the customer's income, household situation, business activity, and repayment capacity.
Form or manage Joint Liability Groups (JLGs)/Self-Help Groups (SHGs) where applicable.
Collect loan applications and supporting documents.
Conduct pre-loan visits and submit recommendations for credit approval.
Disburse loans according to company procedures.
Make regular field visits for collection of repayments.
Follow up on overdue/default accounts and conduct recovery visits.
Maintain daily collection sheets, customer records, and field reports.
Educate customers about responsible borrowing and timely repayment.
Meet targets for current customers, loan disbursement, collection efficiency, and portfolio quality.
Travel extensively and maintain positive relationships with customers and local communities.

📌 Relationship Executive Gorakhpur (India)
🏢 Bajaj Finance
📍 India