Job Description

Key Responsibilities:1. Customer Handling & Gold Loan Process

Welcome customers and understand their loan or gold-related requirements. Handle

Gold Loan Release Enquiries

: Explain interest rates, loan terms, and required documentation. Get the gold appraised by the approved appraiser. Coordinate the smooth movement of the customer from inquiry to cashier handover. Ensure

accurate documentation

before loan processing and disbursal. Maintain

customer privacy and safety protocols

during gold appraisal and transactions.

2. Gold Appraisal Coordination

Assist the authorized appraiser by: Recording the gold weight and purity Ensuring gold is photographed and tagged as per company policy Maintain clear records for appraised items and ensure a smooth process before moving to billing.

3. Cashier & Billing Support

Coordinate with the cashier during loan disbursal and repledge transactions. Prepare accurate

interest-paid bills

and repledge transaction bills. Ensure all transaction slips are signed and stored properly.

4. Gold Sale Enquiries

Attend to customers who visit to

sell gold

: Collect necessary documents Coordinate with management for current gold buying rates Ensure proper invoice generation and recording

5. Interest Collection & Receipts

Generate bills for

interest payments

. Update system records and issue receipts to customers promptly. Cross-check all collections at the end of the day for accuracy and reconcile with the cashier.

6. Branch Meetings & Internal Coordination

Participate in

daily branch meetings

related to: Sales and operations targets Process improvement and compliance updates Attend

recovery meetings

in the absence of the assistant branch manager. Share updates on any pending gold release, billing issues, or customer follow-up cases.

7. Record Maintenance & Compliance

Maintain: Daily loan issuance register Interest collection register Gold appraisal and handover log Ensure

100% accuracy and completeness

in KYC documentation. Assist in

internal audits and surprise inspections

with updated files and registers.

8. Customer Service & Relationship

Ensure

polite and professional

interaction with all walk-in customers. Handle basic customer grievances and escalate if required. Follow up with old customers for

renewal reminders

if guided by the ABM.

9. System & Software Usage

Enter all transaction data in the company software with attention to detail. Cross-verify system entries before final disbursal or collection. Report any software or data issues immediately to the ABM or technical support team.

1. Banking & Loan Process Coordination

Visit

partner banks

for:

Loan releases

Loan renewals

Closure formalities

of customer loans (over loans) Collect and deliver important banking documents, cheques, or demand drafts as required. Visit

customer banks

if needed to support documentation or fund transfers for gold release. Ensure timely and error-free handling of all bank-related work to avoid delays.

2. KGF Bank Account Operations

Assist in

opening new bank accounts

for KGF under instructions from the branch manager. Collect necessary documents, visit the bank, and follow up for account activation. Ensure account details are updated and shared with concerned stakeholders.

3. Temporary Fund Management

Borrow short-term funds from

local financiers

when instructed by ABM: Ensure proper documentation and recording of interest paid.

Return the borrowed amount the same day

without fail. Maintain a list of trusted local financiers with fair practices.

4. Loan Issuance & Repledging Support

Support the branch in

loan disbursal and repledging (OB)

processes: Coordinate movement of gold to/from appraisers if required. Ensure safe handling of gold packets during transit (if applicable).

5. Vendor & Partner Coordination

Coordinate with vendors for: Branch maintenance work Office supplies or printer/cartridge purchases AMC visits or bank-related courier services Maintain vendor contact lists and handle minor logistics as assigned.

6. Inter-Branch & HO Communication

Carry physical documents (if required) between

branches or to the Head Office

for urgent approvals, audits, or signature collection. Represent the branch for any in-person meetings or submission of physical reports.

7. Emergency & Contingency Support

Be available for

urgent tasks

like ATM cash deposit/withdrawal if the branch account cash flow is affected. Immediate gold valuation or repair of gold packet seals in coordination with authorized appraisers. Handling

small courier dispatches or branch-level emergencies.

8. Record Keeping & Reporting

Maintain a

daily logbook

of all outside visits: Locations visited Purpose Time in/out Documents carried (if any) Report daily to the Assistant Branch Manager with task status and pending items
Job Types: Full-time, Permanent

Pay: ?15,000.00 - ?20,000.00 per month

Benefits:

Health insurance Paid sick time Provident Fund
Work Location: In person