Relationship Manager

Job Summary

We are seeking an experienced and results-driven Gold Loan Professional to manage high-value transactions, ensure accurate asset valuation, and drive business growth. In this role, you will leverage your expertise in gold appraisal and risk management to maintain a healthy loan portfolio while delivering exceptional service to premium clients.

Location: All Maharashtra locations are available

Key ResponsibilitiesBusiness Development & Portfolio Management

• Drive sales targets by sourcing high-ticket gold loan customers and cross-selling financial products.
• Manage customer relationships to ensure high retention rates and maximize renewals of existing loans.
• Implement local marketing strategies to increase branch walk-ins and market penetration.

Gold Valuation & Risk Control

• Appraise gold ornaments accurately for weight, purity (carat), and market value using standard testing methods.
• Verify KYC documentation and ensure strict compliance with internal policies and regulatory anti-money laundering (AML) guidelines.
• Mitigate credit risk by identifying spurious or low-purity gold and preventing fraudulent transactions.

Operations & Collections

• Oversee vault management, ensuring the safe custody, periodic auditing, and secure storage of pledged gold.
• Manage non-performing assets (NPA) by leading recovery and collection efforts for overdue accounts.
• Coordinate public auctions for defaulted loans in compliance with legal and regulatory frameworks.

Required Qualifications & Experience

• Experience: 2 to 7+ years of experience in Gold Loan operations, appraisal, or sales within a bank or Non-Banking Financial Company (NBFC).
• Education: Bachelors degree in any discipline (a certification in Gold Appraisal is highly preferred).
• Technical Skills: Proficiency in manual gold testing techniques (touchstone/acid test) and familiarity with core banking software.

Key Competencies

• Strong risk awareness with a proven track record of zero-valuation errors or fraud in past roles.
• Excellent negotiation skills to handle high-net-worth individuals (HNIs) and manage difficult collection scenarios.
• Local language fluency and strong demographic knowledge of the branch territory.J