Company Description ESAF Small Finance Bank is a new-age social bank committed to redefining the banking experience while expanding services to underbanked areas and serving customers across diverse communities. Originating from the Evangelical Social Action Forum (ESAF), which started as an NGO in 1992, the bank has a longstanding focus on sustainable and holistic development for marginalized populations. Over the years, ESAF has supported livelihoods, healthcare, education, and disaster rehabilitation through various community programs.

In 2017, ESAF Microfinance and Investments Pvt. Ltd. transitioned into ESAF Small Finance Bank after receiving an in-principle license from the Reserve Bank of India, with further approvals for NRE (Rupee) account operations in 2018. ESAF Small Finance Bank is Great Place To Work certified and offers both traditional in-person banking and modern digital services such as Internet Banking, Mobile Banking, SMS Banking, and doorstep delivery with video calling facilities.

Role Description The Gold Loan Officer role at ESAF Small Finance Bank is a full-time, on-site position based in Maharashtra, India.

The Gold Loan

Officer will handle end-to-end gold loan operations, including customer interaction, assessing gold ornaments, verifying documentation, and processing loan applications in compliance with bank policies and regulatory guidelines. This role involves conducting accurate valuation of pledged gold, maintaining records, monitoring loan accounts, and ensuring timely interest and principal collections.





The Gold Loan

Officer will support branch sales efforts by promoting gold loan products, addressing customer queries, and providing clear information on terms, charges, and repayment options. The role also includes safeguarding pledged assets, adhering to security procedures, and collaborating with branch teams to achieve business and service quality targets.

Qualifications

- Strong customer service, interpersonal, and communication skills to interact effectively with diverse customers and branch teams.
- Basic financial and banking knowledge, with understanding of lending practices, documentation, and regulatory compliance related to gold loans.
- Attention to detail and numerical ability for accurate gold valuation, record keeping, and monitoring of loan accounts.
- Sales and relationship-building skills to promote gold loan products ethically and support branch business growth.
- Integrity, reliability, and adherence to security procedures for handling pledged gold and confidential customer information.
- Ability to work in office in Maharashtra, manage time effectively, and handle operational responsibilities in a fast-paced branch environment.
- Minimum educational qualification: preferably a bachelor’s degree in commerce, finance, business administration, or a related field; relevant experience in gold loans or retail banking is an advantage.
- Familiarity with basic computer applications and banking systems for processing transactions and maintaining records.

📌 Gold Loan Officer (Maharashtra)
🏢 ESAF Bank
📍 Maharashtra