Gold Loan Officer - Gold Loan - Sales - Mumbai - Borivali- (Maharashtra)

• Gold Loan Officer - Gold Loan - Sales - Mumbai - Borivali- (Maharashtra)
• Company: Tata Capital
• Job Location: Mumbai, Maharashtra, India
• Employment Type: Full-time
• Role Purpose

To drive gold loan sourcing, appraisal, and customer servicing at the branch level by ensuring accurate loan processing, strong customer engagement, and compliance with operational and regulatory standards.

• Key Responsibilities
• 1. Customer Acquisition & Business Generation
• Source gold loan business through walk-ins, local references, and field activities
• Achieve monthly disbursement and portfolio growth targets
• Generate leads through referrals and cross-sell financial products (insurance, loans, etc.)
• 2. Gold Appraisal & Loan Processing
• Conduct gold valuation (purity testing, weight verification) as per company standards
• Process loan applications including documentation, KYC verification, and data entry
• Ensure accurate loan disbursement, renewal, and closure within TAT
• Counsel customers on eligibility, interest rates, and repayment terms
• 3. Customer Relationship & Service
• Handle customer queries (walk-in, phone, email) and provide product guidance
• Build robust customer relationships to drive repeat business and retention
• Conduct follow-ups for renewals, collections, and overdue cases
• 4. Branch Operations & Cash Handling
• Manage cash transactions and ensure adherence to cash handling guidelines
• Support maintenance of branch records, daily MIS, and system data
• Assist in gold packet handling, tagging, and storage processes
• 5. Compliance & Audit Support
• Ensure adherence to KYC norms and internal policies for all transactions
• Maintain proper documentation and audit trails for all loans
• Support internal/external audits and ensure zero deviations
• 6. Market Outreach & Local Engagement
• Conduct local marketing activities, roadshows, and campaigns
• Build relationships with local influencers, jewelers, and connectors
• Track competitor offerings and gold price trends
• Key Skills & Competencies
• (Consolidated from profiles + market data)
• Gold valuation & appraisal basics
• Sales & target orientation
• Customer service & relationship management
• Loan processing & documentation
• Cash handling & basic operations
• Communication & interpersonal skills
• MS Office / data entry
• Qualification
• Graduate (B.Com / BBA / BCA / BA preferred)
• Certification in gold appraisal (preferred) .