Branch Sales Officer

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Job Purpose: To drive gold loan business through customer acquisition, servicing, and cross-selling at the branch level. The Relationship Officer will play a critical role in identifying potential customers, ensuring smooth disbursal of loans, and maintaining strong relationships while adhering to compliance and operational guidelines.

Functional Role: Relationship Officer – Gold Loan

Job Code:

Qualification: Minimum Graduation

Business Unit: Gold Loan

Location: PAN India

Department: Sales

Relevant Experience: 0-3 years of experience.

Functional Competencies:

· Understanding of gold loan products and lending process.

· Customer service and sales orientation.

· Basic knowledge of documentation, KYC, and credit norms.

· Data entry and basic computer skills (MS Excel, email, banking software).

· Ability to manage fieldwork and customer visits.

Behavioural Competencies:

· High level of integrity and ethical conduct.

· Strong communication and interpersonal skills.

· Self-motivated and target driven.

· Ability to work independently and as part of a team.

· Discipline, punctuality, and professional grooming.

Job Responsibilities:

Financial Responsibilities:

· Achieve monthly and quarterly targets for gold loan disbursement and portfolio growth.

· Cross-sell insurance, savings accounts, and other financial products to gold loan customers.

· Monitor repayments and minimize delinquencies by ensuring timely collections.

· Assist in cash handling and safe documentation during gold loan processing (if required).

· Support the branch in enhancing profitability through quality sourcing and customer retention

Non-financial Responsibilities:

· Conduct field visits and community outreach to source gold loan customers.

· Verify gold and KYC documents, ensure accurate data entry and loan application processing.

· Provide clear communication to customers on interest rates, terms, and repayment schedules.

· Maintain regular follow-ups with customers for renewals, top-ups, and feedback.

· Ensure a high level of customer satisfaction through responsive and transparent service.

· Assist in maintaining branch hygiene, proper storage of pledged gold, and accurate record-keeping.

· Coordinate with valuation personnel and back-office teams for seamless loan disbursal

Compliance and Risk Responsibilities:

· Ensure adherence to all internal policies, RBI regulations, and operational procedures for gold loans.

· Maintain confidentiality of customer information and transaction data.

· Follow security protocols for gold storage and handling.

· Report suspicious transactions or potential frauds immediately to reporting authority.

· Ensure documentation is audit-ready and error-free.

Additional Requirements:

· Must own a mobile phone and two-wheeler (bike) for daily field activities.

· Should be comfortable using computers, emails, and banking applications for daily reporting and data entry.

· Willingness to travel locally for customer sourcing and service.
• It is a Full Time Field Sales job for candidates with 0 - 1 years of experience.

More about this Branch Sales Officer job
Please go through the FAQs to get all answers related to the given Branch Sales Officer job
• What is the eligibility criteria to apply for this Branch Sales Officer job?
Ans: The candidate should be Graduate and above and above with 0 - 1 years of experience of experience
• How much salary can I expect for this job role?
Ans: You can expect a salary of ₹18000 - ₹44000 per month + Incentives that depends on your interview. It's a Full Time job in Jaipur.
• How many working days are there for this Branch Sales Officer job?
Ans: This Branch Sales Officer job will have 6 working days.
• Are there any charges applicable while applying or joining this Branch Sales Officer job?
Ans: No, there is no fee applicable for applying this Branch Sales Officer job and during the employment with the company, i.e., GIRNARSOFT AUTOMOBILES PRIVATE LIMITED.
• Is it a work from home job?
Ans: No, it’s not a work from home job and can't be done online.
• How many openings are there for this Branch Sales Officer role?
Ans: There is an immediate opening of 10 Branch Sales Officer at GIRNARSOFT AUTOMOBILES PRIVATE LIMITED
• Who can apply for this job?
Ans: Both Male and Female candidates can apply for this Field Sales job.
• What are the timings of this Branch Sales Officer job?
Ans: This Branch Sales Officer job has 0+:00 AM - 06:00 PM timing. Read more