Gold Loan Officer - Gold Loan - Vellore - Gandhi Nagar - (J1-J3)

Tata Mutual Fund
Department Icon BFSI (Operations & Lending)
Posted: 2 weeks ago
0-1 years
Vellore, Tamil Nadu
BFSI (Operations & Lending)
work from office
Full Time
Closes 27 Dec 2026
Posted: 2 weeks ago
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Job Description

  • 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 strong 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)

Skills

SalesAcquisitionBranch OperationsCash HandlingDisbursementCollectionsData EntryLoan DisbursementValuation

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