Company Description Uttrayan Financial Services Limited is an RBI-registered NBFC-MFI and a leading microfinance institution with a strong presence across Eastern India. Since 2001, the organization has focused on expanding financial access for underserved communities, especially underprivileged women in rural and semi-urban areas. Uttrayan operates in 10 states and 74 districts, supporting over 100,000 individuals on their path to financial independence through a range of responsible, livelihood-focused financial products.

The company offers diverse loan products such as Prochesta, Pragati, Business Promotion, and Business Scale-up Loans to drive income generation and sustainable economic growth. As the only MFI in West Bengal partnering with State Bank of India for a Co-Lending project and collaborating with SIDBI on the Prayaas Scheme, Uttrayan has further expanded its portfolio with secure, multi-layer protected Gold Loans for agricultural, MSME, and personal needs.

Role Description The Gold Loan role is a full-time, on-site position based at the Habra I branch. The role involves managing end-to-end gold loan operations, including customer onboarding, KYC verification, loan processing, documentation, and secure handling of pledged gold assets. The team member will explain product features and repayment terms, assess eligibility, and maintain accurate records in line with company policies and regulatory guidelines.

Daily responsibilities include conducting customer interactions,



monitoring repayment schedules, supporting collection activities, and ensuring adherence to the organization’s seven-layer security and insurance protocols. The role also requires close coordination with branch staff, promoting Gold Loan products in the local community, and contributing to portfolio growth while maintaining high standards of customer service and risk management.

Qualifications

- Strong customer service and communication skills, with the ability to explain loan terms clearly and build trust with diverse clients.
- Basic financial, lending, or microfinance knowledge, including familiarity with documentation, KYC norms, and regulatory compliance.
- Attention to detail and integrity in handling valuables, records, and security procedures related to gold loan operations.
- Proficiency in using branch-level IT systems and basic computer applications for data entry and reporting.
- Ability to work in office in Habra I, collaborate effectively with branch teams, and engage with local communities for business development.
- Prior experience in gold loans, banking, NBFCs, or microfinance will be an advantage.
- Minimum educational qualification: Higher Secondary or Graduate degree in any discipline; additional training in finance or banking is preferable.
- Comfort with field visits, when required, and commitment to Uttrayan’s mission of inclusive financial empowerment.

📌 Gold Loan (West Bengal)
🏢 UTTRAYAN FINANCIAL SERVICES
📍 West Bengal