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Role Purpose
To drive gold loan sourcing, appraisal, and customer servicing at the branch level by ensuring accurate loan processing, strong customer engagement, and compliance with operational and regulatory standards.
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)
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-5 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Gold Loan Officer - Gold Loan - Sale - Delhi - Uttam Nagar (Part 02) - J Grades at Tata Capital.
This role requires around 0-5 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to Tata Capital's application process for this role.