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Branch Manager - Gold Loan

Branch Manager - Gold Loan

Yellow FintechChintamani, Karnataka, India
26 days ago
Job description

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.
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    Branch Manager - Gold Loan • Chintamani, Karnataka, India