- Gold Appraisal & Valuation: Conduct the physical verification, touchstone/acid testing, and weight estimation of the gold ornaments to determine purity and maximum loan value.
- Business Sourcing & Portfolio Growth: Actively generate new customer leads via cold calling, open-market activations, local networking, and references. Drive growth for the branch’s gold loan portfolio.
- Risk Management & Credit Assessment: Evaluate the creditworthiness of clients and monitor high-value accounts to prevent collateral fraud or fake gold pledges.
- Collection & NPA Control: Track overdue accounts and execute aggressive recovery strategies (interest collection and loan renewals) to prevent accounts from turning into Non-Performing Assets (NPAs).
- Team Mentoring:
Oversee and train Junior Officers or Appraisers, ensuring the branch operates smoothly in the absence of the Branch Manager.
Job Requirements
- Education: Bachelor’s Degree in Finance, Commerce, or Business Administration.
- Experience: 6 Months to 6 years of proven experience handling gold loan sales/operations in a reputed bank or NBFC.
- Skills: Expert knowledge of gold evaluation techniques, customer relationship management (CRM), robust negotiation skills, and risk awareness