Company OverviewYellow Fintech is a dynamic player in the banking industry, specializing in asset-backed lending across India. Headquartered in Bangalore, the company employs between 51 and 200 people. With a focus on providing secure financial solutions, Yellow Fintech is a trusted name for customers looking for gold loans. For more about Yellow Fintech, visit their website at <a href="http://www.yellowmetal.co" rel="noopener noreferrer" target="_blank">www.yellowmetal.co</a>. Job OverviewWe are seeking a Junior Gold Loan Manager to join our team in Chintamani, Malur, Mulbagal, Palmaner, Anantapur, Hiriyur, and Hoskote. This is a full-time position requiring 1 to 3 years of relevant experience. The role involves managing gold loan portfolios, evaluating client assets, and ensuring compliance with banking regulations. If you are a sales enthusiast with exceptional negotiation skills, this could be the perfect opportunity for you. Qualifications and Skills<ul><li>Must possess a thorough understanding of valuation techniques for gold (Mandatory skill).</li><li>Proven skills in sales and cross-selling to optimize portfolio performance and customer retention (Mandatory skill).</li><li>Strong negotiation skills to effectively manage loan agreements and client interactions (Mandatory skill).</li><li>Proficient in risk assessment to analyze creditworthiness and make informed lending decisions.</li><li>Experience in customer relationship management to ensure high levels of customer satisfaction and loyalty.</li><li>Knowledgeable about compliance with financial regulations to maintain company standards and legal requirements.</li><li>Adept at KYC processes to verify customer identities and prevent fraud.</li><li>Competent in using loan management software for efficient portfolio and client management.</li></ul> Roles and Responsibilities<ul><li>Assess and evaluate gold items for loan security purposes to determine accurate lending values.</li><li>Drive sales and cross-selling of financial products to meet company targets and enhance customer offerings.</li><li>Negotiate loan terms with clients and ensure all agreements comply with internal policies and standards.</li><li>Monitor loan accounts and perform timely reviews to ensure repayment schedules are adhered to.</li><li>Manage client relationships by providing superior customer service and addressing client queries and concerns.</li><li>Ensure compliance with all legal regulations and internal policies to maintain the integrity of operations.</li><li>Maintain accurate records related to transactions and client interactions within the loan management system.</li><li>Collaborate with fellow team members and other departments to streamline processes and improve efficiency.</li></ul>