Relationship Officer (Gold Loan)

Job Purpose: To drive gold loan business through customer acquisition, servicing, and cross-selling at the branch level. The Relationship Officer will play a critical role in identifying potential customers, ensuring smooth disbursal of loans, and maintaining strong relationships while adhering to compliance and operational guidelines.

Functional Role: Relationship Officer – Gold Loan

Qualification: Minimum Graduation

Business Unit: Gold Loan

Location: PAN India

Department: Sales

Relevant Experience: 0-3 years of experience.

Training: 02 Months

Stipend During Training: 20,000 (5000 CRT + 15,000 OJT)

Total Training Fees: 1,00,000 + 18% GST (Loan Available upto 98%)

Retention Bonus: After 12 Months 32,000 and After 24 Months 48,000

Qualification: Minimum Graduate with 50%

Age criteria: 20 Years to 28 Years Maximum

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.