Executive - Gold Loans

Role & responsibilities

• Coordinate with branch sales team and support BSM, SMs for lead conversion
• Tele-calling / follow up on leads given by sales team and Corporate office
• Coordinate customer walk in branch. Explain product details to customer and suggest scheme based on need analysis
• Conduct self gold valuation and inform gold loan amount. Manage external gold valuation process i.e. interacting with valuator making sure that the process is followed
• Update valuation details in system i.e. Gold portal and loan booking system
• Ensure loan processing completed within stipulated TAT.
• Follow up with delinquent customer and ensure that customer does not cross 30 DPD bucket
• Follow up with customer for timely interest collection
• Gold loan file disbursal in system (this could be done by BOM for most Branches)
• Custody of gold packets in the office, record it as per process
• Raise Payment Request / Cheque Disbursement, record it as per process
• Arrange to send the complete file to COPS as per process.
• Manage Related MIS, interface with COPS, regional teams as might be required.
• Co-ordinate with central telecalling team for collections / follow up for payments from overdue borrowers • Customer Support / Service as required

Preferred candidate profile

• Sales process management in FMCG/ Direct sales company

• Understanding of gold process understanding ,KYC Knowledge & Sales process

• Gold loan Sales process & BTL Marketing

• Process understanding ,KYC Knowledge ,Understanding of the documentation required, Product /Competition Knowledge