- Job Title: Gold Loan Officer
- Location: Bhagalpur,Patna,Gaya
- Company: Axis Bank
- Qualifications: Any Graduate or Post graduate
- Experience: 1-5 Years
- Department: Retail Lending
- Employment Type: Full-Time
About Axis Bank:
Axis Bank is one of India’s main private place banks, providing a complete suite of monetary services and products to its customers. With a robust presence throughout the United States, we’re dedicated to handing over banking offerings that meet the various desires of individuals, agencies, and organizations. Our center values—Customer Centricity, Ethics, Transparency, and Teamwork—are at the heart of the whole lot we do, making sure we create an excessively pleasant impact on our customers, personnel, and society at massive.
Position Overview:
We are looking for a dedicated and effects-orientated Gold Loan Officer to join our Retail Lending team. The perfect candidate can be responsible for driving the boom of our gold loan portfolio by way of obtaining new clients, maintaining relationships with present clients, and ensuring that each gold loan transactions observe the financial institution’s guidelines and regulatory tips. The Gold Loan Officer will play an essential function in supplying clients with extremely good solutions for their economic needs, at the same time ensuring the protection and protection of pledged gold belongings.
Gold Loan Officer Responsibilities:
1.Customer Acquisition and Relationship Management:
- Identify functionality clients and create a pipeline for gold mortgage products via various channels, such as direct sales, referrals, and department stroll-ins.
- Establish and hold strong relationships with customers, presenting them with tailored answers to fulfill their monetary requirements.
- Educate clients on the blessings, functions, and terms of gold loans, making sure they have a clean know-how of the product.
- Conduct follow-up calls and meetings with clients to make certain pleasure and cope with any issues or troubles.
2.Loan Processing and Disbursement:
- Evaluate and appraise the fee of gold earrings and other gold gadgets supplied through customers for loans, ensuring correct and fair valuations.
- Verify the authenticity and brilliance of gold assets through the right finding strategies, and the usage of appropriate gear and systems.
- Prepare and way mortgage documentation, ensuring that all required records are accurate, complete, and comply with the financial group’s tips.
- Facilitate the disbursement of mortgage quantities to clients in a properly timed and green manner.
3.Compliance and Risk Management:
- Ensure all gold loan transactions adhere to the monetary institution’s internal guidelines, similar to applicable regulatory guidelines and prison requirements.
- Maintain correct statistics of all transactions, consisting of customer information, mortgage data, and collateral documentation.
- Conduct ordinary audits of gold mortgage portfolios to find out and mitigate capacity risks, ensuring the safety and integrity of pledged assets.
- Stay knowledgeable of enterprise inclinations, regulatory adjustments, and market conditions that can impact gold loan products and services.
4.Sales and Marketing:
- Develop and implement income techniques to obtain gold mortgage goals and make a contribution to the overall growth of the retail lending commercial corporation.
- Collaborate with the marketing and advertising and marketing team to design and execute promotional campaigns geared towards growing awareness and phone for gold loans.
- Monitor competitor sports and market tendencies to discover new possibilities for boom and innovation in gold mortgage services.
5.Customer Service and Support:
- Provide first-rate customer service with the aid of right away addressing inquiries, resolving troubles, and offering guidance for the duration of the mortgage manner.
- Assist clients in expertise in the phrases and situations of their loans, which includes compensation schedules, interest costs, and consequences for past due payments.
- Managed purchaser proceedings and disputes, making sure a well-timed and remarkable decision.
- Conduct regular test-ins with customers to make sure they are happy with the services furnished and to encourage repeat company.
6.Training and Development:
- Participate in ongoing training and expert development applications to live up to date on industry exceptional practices, product information, and profit techniques.
- Mentor and assist junior personnel people, sharing expertise and exceptional practices to help them obtain their roles.
Qualifications, Skills, Experience:
- Bachelor’s diploma in Finance, Commerce, Business Administration, or a related subject.
- Minimum of 2-3 years of revel in profits, customer support, or retail lending, ideally in the gold mortgage enterprise.
- Strong records of gold loan merchandise, marketplace dynamics, and employer guidelines.
- Excellent communique and interpersonal talents, with the functionality to assemble and preserve patron relationships.
- The high diploma of integrity, hobby to detail, and dedication to compliance.
- Proficiency in the usage of loan processing software programs, MS Office, and other relevant tools.
- Ability to work independently and as a part of a group, with a proactive and results-pushed technique.
What We Offer:
- Competitive earnings and universal performance-based incentives.
- Comprehensive advantages package deals, such as medical insurance, retirement plans, and worker discounts.
- Opportunities for career boom and development inner Axis Bank.
- A supportive and dynamic painting environment that values innovation, collaboration, and professional improvement.
Axis Bank is the same possibility agency. We have a good time variety and are committed to developing inclusive surroundings for all employees.
Join Axis Bank and take the following step in your profession as a Gold Loan Officer, wherein your abilities and passion will contribute to our fulfillment and the monetary well-being of our customers.
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