Company Overview
Yellow Fintech is a dynamic player in the banking industry, specializing in asset-backed lending across India. Headquartered in Bangalore, the company employs between 51 and 200 people. With a focus on providing secure financial solutions, Yellow Fintech is a trusted name for customers looking for gold loans. For more about Yellow Fintech, visit their website at www.yellowmetal.co .
Job Overview
We are seeking a Junior Gold Loan Manager to join our team in Chintamani, Malur, Mulbagal, Palmaner, Anantapur, Hiriyur, and Hoskote. This is a full-time position requiring 1 to 3 years of relevant experience. The role involves managing gold loan portfolios, evaluating client assets, and ensuring compliance with banking regulations. If you are a sales enthusiast with exceptional negotiation skills, this could be the perfect opportunity for you.
Qualifications and Skills
- Must possess a thorough understanding of valuation techniques for gold (Mandatory skill).
- Proven skills in sales and cross-selling to optimize portfolio performance and customer retention (Mandatory skill).
- Strong negotiation skills to effectively manage loan agreements and client interactions (Mandatory skill).
- Proficient in risk assessment to analyze creditworthiness and make informed lending decisions.
- Experience in customer relationship management to ensure high levels of customer satisfaction and loyalty.
- Knowledgeable about compliance with financial regulations to maintain company standards and legal requirements.
- Adept at KYC processes to verify customer identities and prevent fraud.
- Competent in using loan management software for efficient portfolio and client management.
Roles and Responsibilities
Assess and evaluate gold items for loan security purposes to determine accurate lending values.Drive sales and cross-selling of financial products to meet company targets and enhance customer offerings.Negotiate loan terms with clients and ensure all agreements comply with internal policies and standards.Monitor loan accounts and perform timely reviews to ensure repayment schedules are adhered to.Manage client relationships by providing superior customer service and addressing client queries and concerns.Ensure compliance with all legal regulations and internal policies to maintain the integrity of operations.Maintain accurate records related to transactions and client interactions within the loan management system.Collaborate with fellow team members and other departments to streamline processes and improve efficiency.