Gold Loan Executive / Relationship Manager – Roles & Responsibilities
1. Gold Appraisal & Valuation
Check purity (karat) of gold ornaments
Calculate accurate weight (net weight after stone deduction)
Ensure correct loan amount based on value
2. Gold Verification & Safety
Identify fake or impure gold
Avoid accepting damaged or non-acceptable ornaments
Handle gold safely and follow security procedures
3. Customer Handling
Explain gold loan schemes, interest rates, and repayment
Build good relationship with customers
Resolve customer queries clearly
4. Documentation & KYC
Collect and verify KYC documents (Aadhar, PAN, etc.)
Complete customer onboarding process
Maintain proper records as per company policy
5. Loan Processing
Process gold loan applications quickly
Ensure compliance with company and RBI guidelines
Disburse loan after proper verification
6. Recovery & Follow-up
Remind customers for interest/EMI payments
Handle overdue accounts and follow recovery process
7. Sales & Targets
Achieve monthly loan disbursement targets
Cross-sell other financial products if needed