Business Development & Customer Acquisition
• Source current gold loan customers through branch walk-ins, local market outreach, customer referrals, and other approved sourcing channels.
• Achieve assigned business targets for gold loan disbursements, portfolio growth, and customer acquisition.
• Build and maintain strong customer relationships to drive repeat business and customer retention.
• drive various cross sell activities as deemed fit by management Customer Onboarding & Loan Processing
• Complete customer onboarding, KYC verification, application processing, and documentation as per Bank policy.
• Ensure accurate entry of customer, loan, and collateral details in the Bank’s designated systems. Gold Valuation & Loan Assessment
• Coordinate gold purity testing, weighing, and valuation through authorized personnel or approved processes – Approved LTV, applicable credit policy. Etc.
• Ensure proper recording of gold ornaments, valuation details, and loan eligibility before disbursement. Loan Disbursement & Operational Controls
• Coordinate loan approval and disbursement in accordance with the Bank’s delegated authority matrix and process guidelines.
• Ensure proper packing, sealing,



labelling, documentation, and secure transfer of pledged gold to the designated vault/custodian.
• Maintain accurate records and ensure adherence to maker-checker controls and segregation of duties. Portfolio Servicing & Collections
• Track loan repayment schedules, overdue accounts, renewals, and eligible top-up requests.
• Follow up with customers for timely repayment and coordinate with the collections team for delinquent accounts.
• Support loan closure, repayment reconciliation, and timely release of pledged gold upon fulfilment of applicable requirements. Compliance Risk and Audit.
• Adhere to the Bank’s gold loan policy, SOPs, KYC/AML requirements, and applicable RBI guidelines.
• Ensure compliance with prescribed controls for gold custody, inventory reconciliation, audit trails, and collateral release.
• Support internal and external audits, inspections, and operational reviews, and ensure timely closure of observations.
• Immediately escalate any suspected fraud, gold-related discrepancies, process deviations, or operational risks.

📌 Gold Loan Manager (Vasai-Virar)
🏢 Yes Bank
📍 Vasai-Virar