The Corporate Gold Credit Officer is responsible for formulating, monitoring, and auditing the credit risk framework for the gold loan portfolio. Operating from the corporate office, this role ensures absolute adherence to regulatory guidelines (like RBI LTV caps), creates standard operating procedures (SOPs) for gold appraisal, and implements centralized fraud monitoring systems to protect the portfolio from market volatility and collateral risks.

1. Credit Policy Formulation & Governance

- Design, review, and update the corporate credit policy and underwriting guidelines for gold loan products.
- Monitor daily gold price fluctuations and dynamically adjust corporate Loan-to-Value (LTV) limits within the RBI-mandated ceiling.
- Establish strict guidelines for the verification of ownership documents, valuation techniques, and internal security systems for gold storage.

1. Portfolio Risk & Fraud Monitoring

- Identify high-risk geographies, top-heavy branches, or anomalous high-value ticket exposures across the branches
- Implement and oversee data analytics models to detect systemic fraud, such as repetitive spurts in low-carat deposits or structural defaults.
- Formulate a standardized corporate action plan for early-stage stress, auctioning non-performing assets (NPAs), and handling margin shortfalls.

1. Centralized Audits & Quality Control





- Conduct retrospective central audits on high-value gold loans to verify purity certificates, appraiser integrity, and structural compliance.
- Manage the policy for appointing external third-party gold assayers and establish branch verification guidelines for these entities.
- Ensure full regulatory compliance with RBI Master Directions on Gold Loans, including fair practice codes and structured transparency rules.

1. Team Enablement & Capacity Building

- Develop training modules on gold purity check methods (such as acid testing, density check, and touchstone methods) for branch operations teams.
- Act as the final escalation authority for deviations, loan restructuring proposals, or exceptions beyond regional credit manager limits.

Educational Background Graduate/Postgraduate in Business, Finance, Banking, or Risk Management. Certifications in Gold Appraisal/Assaying from recognized institutes are a significant advantage.

Requirement Details

Experience 5 to 7 years of solid banking or retail NBFC Gold credit experience with Corporate Office or Zonal or Regional Level.

If You are Interested Please Share your CV to WhatsApp: (phone hidden)

Pay: ₹500,000.00 - ₹600,000.00 per year

Advantages

- Cell phone reimbursement
- Health insurance
- Life insurance
- Provident Fund

Work Location: In person

📌 Gold Credit Officer (NBFC)- Corporate Office (Chinniyampalayam)
🏢 Dhanam Investment And Finance Private
📍 Chinniyampalayam