Tata Capital—Gold Loan Officer - Gold Loan - Kanchipuram - KBJ Hari Corporate Complex - (J1-J3)

Job description

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)