- Gold Appraisal & Valuation:
- Conduct accurate gold purity checks, weight/carat calculations, and stone deductions to prevent spurious or unacceptable ornaments.
- Ensure 100% adherence to internal risk and collateral valuation guidelines.
- Customer Acquisition & Business Growth:
- Drive current customer acquisition through local market outreach, brand promotion in designated catchments, and lead generation.
- Build and nurture strong rapport with existing borrowers to drive repeat business, renewals, and customer referrals.
- Loan Processing & Coordination:
- Verify customer KYC documents and complete digital/online registration processes.
- Coordinate smoothly with branch managers and underwriting stakeholders to ensure fast turnaround times (TAT) for loan approvals and disbursements.
- Customer Service & Retention:
- Address customer queries, explain loan terms transparently, and resolve service issues promptly.
- Maintain regular follow-ups on interest servicing, account closures, or renewal timelines.
- Compliance & Reporting:
- Comply strictly with RBI guidelines, internal KYC/AML norms, and audit requirements.
- Maintain daily/weekly Management Information System (MIS) reports on portfolio health and appraisals.