Company Overview

Yellow 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 www.yellowmetal.co.

Job Overview

We 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

• Must possess a thorough understanding of valuation techniques for gold (Mandatory skill).
• Proven skills in sales and cross-selling to optimize portfolio performance and customer retention (Mandatory skill).
• Strong negotiation skills to effectively manage loan agreements and client interactions (Mandatory skill).
• Proficient in risk assessment to analyze creditworthiness and make informed lending decisions.
• Experience in customer relationship management to ensure high levels of customer satisfaction and loyalty.
• Knowledgeable about compliance with financial regulations to maintain company standards and legal requirements.
• Adept at KYC processes to verify customer identities and prevent fraud.
• Competent in using loan management software for efficient portfolio and client management.

Roles and Responsibilities

• Assess and evaluate gold items for loan security purposes to determine accurate lending values.
• Drive sales and cross-selling of financial products to meet company targets and enhance customer offerings.
• Negotiate loan terms with clients and ensure all agreements comply with internal policies and standards.
• Monitor loan accounts and perform timely reviews to ensure repayment schedules are adhered to.
• Manage client relationships by providing superior customer service and addressing client queries and concerns.
• Ensure compliance with all legal regulations and internal policies to maintain the integrity of operations.
• Maintain accurate records related to transactions and client interactions within the loan management system.
• Collaborate with fellow team members and other departments to streamline processes and improve efficiency.