This position is based on Hire Train and Deploy ( HTD ) Model

Post 30 days of successful Training at BML Munjal University, Manesar, Gurugram, candidates to be placed as Gold Loan Officer on Fixed Term basis for 2years with Kotak Bank

Job Summary:

The Relationship Manager - Gold Loan will be responsible for managing and growing the gold loan portfolio, acquiring new customers, and nurturing existing relationships to achieve business targets. This role requires a strong understanding of gold loan products, excellent customer service skills, and a proactive approach to sales and business development.

Key Responsibilities:

- Actively acquire new customers for gold loan products through various channels, including direct sales, referrals, and branch walk-ins.
- Manage and grow an existing portfolio of gold loan customers, ensuring high levels of customer satisfaction and retention.
- Counsel customers on the features, benefits, and application process of gold loan products, addressing their queries and concerns effectively.
- Conduct preliminary assessment of gold ornaments for purity and weight, ensuring adherence to company policies and procedures for valuation.
- Ensure meticulous completion of all necessary documentation and verification processes for gold loan applications,



maintaining accuracy and compliance.
- Achieve challenging monthly and quarterly sales targets for gold loan disbursements, renewals, and collections.
- Monitor loan accounts for timely repayments, proactively initiating follow-ups and recovery efforts for overdue accounts to minimize non-performing assets.
- Educate customers on other relevant financial products and services offered by the company, cross-selling where appropriate.
- Strictly adhere to all regulatory guidelines, internal compliance procedures, and ethical standards in all customer interactions and transactions.
- Efficiently handle customer complaints and grievances, striving for prompt and satisfactory resolutions.
- Maintain accurate and up-to-date records of all customer interactions, transactions, and sales activities in the company's CRM system.
- Collaborate closely with internal teams, including operations and credit, to ensure smooth processing of loans and exceptional customer service.
- Conduct market research and competitor analysis to identify recent business opportunities and stay informed about industry trends.
- Participate in promotional activities and campaigns to enhance the visibility and reach of gold loan products.

📌 Relationship Manager - Gold Loan (India)
🏢 Ghrig People Solutions
📍 India