Job Summary
The Gold Loan Executive is responsible for sourcing customers, processing gold loan applications, conducting or coordinating gold valuation, completing documentation, and ensuring timely loan disbursal. The role also includes customer relationship management, collections support, and compliance with company policies and regulatory requirements.
Key Responsibilities
Acquire new customers and promote gold loan products.
Explain loan schemes, interest rates, repayment options, and eligibility criteria.
Verify customer KYC documents and complete loan documentation.
Conduct or coordinate gold appraisal and valuation.
Process loan applications and ensure timely loan disbursal.
Maintain accurate customer records and loan files.
Ensure safe handling and custody of pledged gold as per company procedures.
Follow up with customers for interest payments, renewals, and loan closures.
Support collections and recovery activities for overdue accounts.
Cross-sell financial products such as insurance, savings, or other loan products.
Ensure compliance with internal policies, regulatory requirements, and audit standards.
Qualifications
Bachelor's degree in any discipline (preferred).
1–3 years of experience in gold loans, banking, NBFCs, or financial services.
Freshers may be considered by some organizations for entry-level roles.