Customer Relationship Manager – Gold Loan

A Customer Relationship Manager (CRM) – Gold Loan is a client-facing sales and operations role in banks, non-banking financial companies (NBFCs) like Muthoot or Manappuram, and small finance banks. The core focus of this role is acquiring new gold loan clients, evaluating pledged gold ornaments, and managing the entire loan lifecycle from processing to repayment.

Key Responsibilities

• Customer Acquisition & Lead Sourcing:Generate leads through direct field marketing, local branch walk-ins, cross-selling to existing bank clients, and maintaining referral channels.
• Gold Valuation & Appraisal: Inspect, weigh, and assess the purity of pledged gold ornaments to determine the permissible loan amount based on Loan-to-Value (LTV) limits.
• Loan Documentation & Processing:Complete KYC verification, process gold loan applications, explain interest rates and repayment schedules, and facilitate loan disbursal.
• Portfolio & Account Management:Follow up on interest payments, handle loan renewals or pre-closures, assist with overdue recovery, and safely maintain branch gold safe inventory.

Eligibility & Role Overview

• Educational Qualification: Any Graduate (B.A., B.Com, B.Sc, BBA) or 10+2 with relevant sales experience.
• Key Skills Required:Basic gold appraisal/purity knowledge, localized sales capabilities, negotiation skills, and customer service orientation.
• Target Employers:Public/Private Banks (HDFC, Kotak, ICICI), NBFCs (Muthoot Finance, Manappuram Finance, IIFL), and Small Finance Banks (Jana SFB, Utkarsh SFB).
• Salary Range: Typically ₹2.5 LPA – ₹4.5 LPA (plus sales incentives, performance bonuses, and allowances depending on location and institution).