Executive - Gold Loans

Job Role

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 with customer who 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.

Key Responsibilities

Sales process management in FMCG/ Direct sales company.

Understanding of gold process.

Undersstanding of KYC Knowledge & Sales process.

Gold loan Sales process & BTL Marketing Process understanding.

Product /Competition Knowledge.
Skills Required
BTL marketing process understanding, Gold loan sales process, KYC knowledge, Product competition knowledge, Sales process management