Business Development & Customer Acquisition Source new 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 solid customer relationships to drive repeat business and customer retention.

Also, 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 Banks 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 Banks 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 Banks 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.

Location - Vikhroli West, Santacruz, Chembur, Marine Drive, Mira-Bhayandar, Vasai, Kandivali West, Saki Naka, Andheri West, Borivali

📌 Gold Loan Manager (Mumbai)
🏢 Yes Bank
📍 Mumbai