Branch Loan Officer - Gold Loan
Hireginie Talent CloudFixed
₹18,000 - ₹25,000
Earning Potential
₹25,000
Fixed
₹18,000 - ₹25,000
Earning Potential
₹25,000
Work from Office
Full Time
Min. 1 year
Basic EnglishJob highlights
1 applicants
Job Description
Title: Branch Loan Officer - Gold Loan
Location: Chennai (Chromepet)
Education: Graduation in any discipline (B.Com / BBA / BA preferred , Diploma or certificate in gemology or gold is an added advantage )
Experience: Min 1 - 5 yrs of exp in Gold Appraisal, Valuation, Cash and vault handling
About the Role: We are looking for experienced Branch Loan Officers with a strong background in gold loan operations to join our NBFC branch network. This is a branch-based, walk-in conversion role — you will NOT be required to self-source business targets. Your focus is entirely on customer service excellence, gold assessment, and loan processing.
Key Responsibilities:
- Receive and assist customer walk-ins at the branch for gold loan inquiries and applications
- Conduct gold purity assessment and assaying using fire assay, karat meter, and acid testing methods
- Evaluate gold ornaments for weight, purity, and applicable loan-to-value (LTV) as per RBI guidelines
- Process loan applications routed to the branch by Loan Managers (LMs), ensuring end-to-end documentation and disbursement
- Verify customer KYC documents and maintain compliance with internal and regulatory norms
- Coordinate with LMs and branch operations for smooth loan processing and turnaround
- Ensure accurate gold storage, tagging, and custodianship as per SOPs
- Maintain zero deviation from audit and compliance requirements during all gold handling activities
- Deliver a superior customer experience at the branch, ensuring resolution of queries and concerns
Requirement:
- 1 - 5 years of experience in gold loan operations at a bank, NBFC, or gold loan company
- Hands-on experience in gold assaying — fire assay, karat meter testing, and acid testing
- Prior experience working in a branch model (not DSA/field sales)
- Knowledge of RBI LTV norms, KYC/AML compliance, and gold loan documentation
- Ability to handle branch-level loan processing independently
Good to Have:
- Experience from gold loan institutions
- Familiarity with CBS/LOS platforms used in gold loan disbursement
- Understanding of auction proceedings and overdue management for gold loans
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The candidate should have completed Graduate degree and people who have 1 to 31 years are eligible to apply for this job. You can apply for more jobs in Chennai to get hired quickly.
The candidate should have Basic English skills and sound communication skills for this job.
Both Male and Female candidates can apply for this job.
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