01Overview
Loan Officer / Relationship Officer Roles & Responsibilities
Role: Loan Officer / Relationship Officer (Gold Loans)
Department: Sales & Business Development
Product: Gold Loans
Key Responsibilities
- Generate new Gold Loan business through customer visits, references, local marketing, and lead generation.
- Identify and approach potential customers in the local market and explain Gold Loan products, eligibility, process, and advantages.
- Develop and maintain strong customer relationships to generate repeat and referral business.
- Handle customer enquiries and guide customers through the Gold Loan application process.
- Coordinate with the branch team for KYC, documentation, gold appraisal, loan processing, and disbursement.
- Follow up with leads regularly and convert eligible prospects into customers.
- Achieve assigned monthly business and disbursement targets.
- Conduct field visits and maintain good knowledge of the local market and customer base.
- Support customer retention, renewals, top-ups, and additional business opportunities as per company policy.
- Ensure all customer information and documents are collected accurately and submitted as per company/KYC requirements.
- Maintain daily activity reports, lead details, follow-ups, and business MIS.
- Coordinate with the Operations Manager/Branch Manager for smooth processing of customer cases.
- Follow company policies, compliance requirements, and ethical sales practices.
- Identify potential risks or suspicious customer/document activities and immediately escalate them to the concerned branch authority.
- Maintain professional relationships with existing customers and generate referral business.
Key Performance Areas
Lead Generation Customer Acquisition Gold Loan Disbursement Customer Relationship Repeat/Referral Business Target Achievement
For Freshers: Training will be provided on Gold Loan products, customer handling, sales process, documentation, and basic branch operations. .
