Job Description

A Branch Executive for Gold Loan typically has several responsibilities revolving around managing the operations and business development of a branch that offers gold loan services. Here's a general job description:

Position Title: Branch Executive - Gold Loan

:

1. Branch Operations Management:

• Oversee the day-to-day operations of the branch, ensuring smooth functioning.
• Manage customer inquiries, loan processing, and disbursements efficiently.
• Maintain compliance with regulatory requirements and company policies.

2. Business Development:

• Develop and implement strategies to achieve branch targets for gold loan disbursements and profitability.
• Identify and pursue opportunities to expand the customer base and increase loan portfolio.
• Build and maintain relationships with existing and potential customers to foster business growth.

3. Team Management:

• Lead and motivate a team of loan officers and support staff to meet performance goals.
• Provide training, guidance, and support to staff members to enhance their skills and productivity.
• Conduct regular performance evaluations and take corrective actions as necessary.

4. Customer Service:

• Ensure high levels of customer satisfaction by addressing queries, resolving complaints, and providing assistance as needed.
• Maintain a customer-centric approach to deliver personalized service and build long-term relationships.

5. Risk Management:

• Assess the risk associated with loan applications and collateral to mitigate potential losses.
• Implement measures to safeguard the branch against fraudulent activities and defaults.
• Stay updated on market trends, regulatory changes, and industry best practices related to gold loan operations.

6. Reporting and Documentation:

• Prepare accurate reports on branch performance, loan disbursals, collections, and other key metrics.
• Maintain proper documentation of loan transactions, customer records, and regulatory compliance.

7. Marketing and Promotion:

• Collaborate with marketing teams to develop promotional campaigns and initiatives to attract customers.
• Participate in local events, community outreach programs, and networking activities to enhance the branch's visibility and reputation.

Requirements:

• Bachelor's degree in Business Administration, Finance, or a related field (preferred).
• Prior experience in gold loan operations, banking, or financial services industry.
• Strong knowledge of gold appraisal, loan processing, and risk assessment.
• Excellent communication, interpersonal, and leadership skills.
• Ability to multitask, prioritize tasks, and work under pressure.
• Proficiency in using computer applications and banking software.

Benefits:

• Competitive salary and performance-based incentives.
• Health insurance, retirement plans, and other benefits.
• Opportunities for career advancement and professional development.
• A dynamic and collaborative work environment.

This job description may vary based on the specific requirements of the organization and the scope of the branch's operations.

Job Type: Full-time

Pay: Up to ?25,000.00 per month

Benefits:

• Provident Fund

Schedule:

• Day shift

Experience:

• GOLD LOAN: 1 year (Required)

Work Location: In person