Company Overview

SML Finance Limited, part of the esteemed SML Group, founded in 1980 by visionary Mr. C. C. William Varghese, prides itself on offering innovative financial services with a solution-oriented approach. With over 50,000 happy customers and a presence in Kerala, Tamil Nadu, and Karnataka, we emphasize organic growth and customer trust. Headquartered in Kochi, we focus on delivering exceptional service through a skilled, experienced workforce. Learn more at SML Finance.

Job Overview

The Gold Loan Executive and Assistant Branch Manager at SML Finance Limited will be based in Ernakulam, Alappuzha, Pathanamthitta, and Palakkad districts. We seek a dedicated full-time executive with exceptional customer service skills to drive sales and manage loan processing efficiently. This role demands strong financial analysis, team management, and communication abilities, alongside a thorough knowledge of banking regulations and risk assessment to ensure optimized operations and excellent customer experiences.

Qualifications and Skills

• Proficient in customer service, adept at understanding customer needs and providing tailored solutions for gold loan services.
• Strong sales skills, with a proven ability to meet and exceed sales targets, ensuring business growth and customer acquisition.
• Adept in financial analysis, capable of reviewing and assessing financial documents to make informed loan decisions.
• Experienced in loan processing, ensuring all steps from application to disbursement are handled efficiently and accurately.
• Proven team management skills, able to lead and motivate a team to achieve branch objectives and maintain high performance levels.
• Strong risk assessment capabilities, identifying potential risks in loan applications and implementing measures to mitigate them.
• Excellent communication skills, essential for effective interaction with clients, staff, and stakeholders to facilitate smooth operations.
• In-depth knowledge of banking regulations, ensuring all operations comply with industry standards and legal requirements.

Roles and Responsibilities

• Manage and supervise branch operations, ensuring efficient processing and service standards are met in gold loan activities.
• Develop and implement sales strategies to promote SML Finance's gold loan products, enhancing customer acquisition and loyalty.
• Conduct financial analysis and risk assessments for loan applications, ensuring sound decision-making and adherence to policies.
• Coordinate with the team to maintain a seamless workflow within the branch, fostering a positive and productive work environment.
• Maintain updated knowledge of banking regulations and ensure branch compliance with industry standards and legal requirements.
• Provide exceptional customer service, addressing inquiries, resolving issues promptly, and ensuring customer satisfaction.
• Monitor market trends and competitor activities to identify opportunities for business growth and strategic initiatives.
• Liaise with senior management to report on branch performance, challenges faced, and potential improvements in operations.