Relationship Officer Gold Loan

Functional Competencies:

·      Understanding of gold loan products and lending process.

·      Customer service and sales orientation.

·      Basic knowledge of documentation, KYC, and credit norms.

·      Data entry and basic computer skills (MS Excel, email, banking software).

·      Ability to manage fieldwork and customer visits.

Behavioural Competencies:

·      High level of integrity and ethical conduct.

·      Strong communication and interpersonal skills.

·      Self-motivated and target driven.

·      Ability to work independently and as part of a team.

·      Discipline, punctuality, and professional grooming.

Job Responsibilities:

Financial Responsibilities:

·      Achieve monthly and quarterly targets for gold loan disbursement and portfolio growth.

·      Cross-sell insurance, savings accounts, and other financial products to gold loan customers.

·      Monitor repayments and minimize delinquencies by ensuring timely collections.

·      Assist in cash handling and safe documentation during gold loan processing (if required).

·      Support the branch in enhancing profitability through quality sourcing and customer retention

Non-financial Responsibilities:

·      Conduct field visits and community outreach to source gold loan customers.

·      Verify gold and KYC documents, ensure accurate data entry and loan application processing.

·      Provide clear communication to customers on interest rates, terms, and repayment schedules.

·      Maintain regular follow-ups with customers for renewals, top-ups, and feedback.

·      Ensure a high level of customer satisfaction through responsive and transparent service.

·      Assist in maintaining branch hygiene, proper storage of pledged gold, and accurate record-keeping.

·      Coordinate with valuation personnel and back-office teams for seamless loan disbursal

Compliance and Risk Responsibilities:

·      Ensure adherence to all internal policies, RBI regulations, and operational procedures for gold loans.

·      Maintain confidentiality of customer information and transaction data.

·      Follow security protocols for gold storage and handling.

·      Report suspicious transactions or potential frauds immediately to reporting authority.

·      Ensure documentation is audit-ready and error-free.

Additional Requirements:

·      Must own a mobile phone and two-wheeler (bike) for daily field activities.

·      Should be comfortable using computers, emails, and banking applications for daily reporting and data entry.

·      Willingness to travel locally for customer sourcing and service.