Gold Loan Authorizer - Gold Loan - Sales - Pune - Avaanti Residences & Premium Commercial Spaces - (M1-M3)

Role Purpose
To drive efficient, compliant, and customer-centric branch operations for the Gold Loan business, ensuring seamless execution of end-to-end processes including disbursement, servicing, custody, and regulatory adherence, while supporting business growth and superior customer experience.
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Key Responsibilities
1. Branch Operations Management
Oversee end-to-end gold loan operations including sourcing support, appraisal coordination, disbursement, renewals, and closures
Ensure adherence to defined TATs and operational SLAs across all customer transactions
Manage daily branch activities including cash handling, documentation, and transaction processing
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2. Gold Loan Process & Custody Management
Ensure secure handling, storage, and audit of pledged gold and related documentation
Maintain strict control over gold custody, vault operations, and reconciliation
Monitor adherence to valuation standards and internal guidelines for gold appraisal
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3. Compliance & Risk Management
Drive 100% compliance with regulatory norms, internal policies, and audit requirements
Conduct periodic internal checks on KYC, documentation, and transaction accuracy
Identify and mitigate operational risks, fraud risks, and process gaps
Ensure readiness for internal/external audits and closure of audit observations
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4. Customer Service Excellence
Ensure high-quality service delivery and quick resolution of customer queries within defined TATs
Drive customer satisfaction, retention, and cross-sell effectiveness
Maintain strong customer relationships and complaint resolution mechanisms
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5. Team Management & Productivity
Lead and manage branch operations staff including tellers and back-office teams
Drive productivity, discipline, and adherence to operational processes
Enable capability building through on-the-job coaching and training
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6. Business Support & Growth Enablement
Support sales team in achieving business targets through efficient backend operations
Ensure readiness of branch infrastructure and processes to handle business scale
Provide insights through MIS, reconciliation reports, and operational dashboards
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7. Audit, Control & Reporting
Conduct daily/periodic reconciliations (cash, gold, accounts)
Ensure accuracy in reporting, MIS submission, and compliance documentation
Coordinate with central teams for operational reporting and system updates
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Key Skills & Competencies
(Aligned to market benchmarks and profiles)
Gold loan operations & branch banking operations
KYC, compliance, and regulatory knowledge
Customer service & relationship management
Team management and branch handling
Risk management and audit handling
Cash management & reconciliation
MS Excel / operational MIS reporting

Qualification
Graduate (B.Com / BBA / B.Sc preferred)
MBA/PGDM or relevant certifications preferred