Customer Relationship Manager - Gold Loan

About the company

Jana Small Finance Bank, formerly known as Janalakshmi Financial Services, is based in Bengaluru and is among the institutions that received RBI’s in-principle approval in 2015 to establish a small finance bank. Founded in 2008, it first grew into India’s largest micro finance institution and earned global recognition for its work in financial inclusion.

The bank secured its final licence in April 2017 and began banking operations on 28 March 2018. Led by MD & CEO Ajay Kanwal, its aim is to emerge as a leading inclusive, digital-first bank serving the many segments and communities of aspirational India.

At present, after the transition period, the bank is supporting its existing 45 lakh customers across 19 states with banking services. As of 31 March 2018, it reported a capital adequacy ratio of about 35% and a loan book of INR 76 billion. The organisation plans to add four million customers by 2020.

With strong expertise in banking and financial services, the senior leadership team brings an average of 25+ years of experience in the sector. The bank’s workforce is around 15,000, and it is regulated by the Reserve Bank of India. By the end of 2019, around 500 branches were expected to be operational across 19 states as many micro finance storefronts were converted into bank branches.

Role overview

This position focuses on acquiring customers for gold loans, evaluating pledged gold, supporting loan processing, and maintaining strong customer relationships while meeting sales goals.

Key responsibilities

• Generate new gold-loan business by reaching out to prospects through local marketing and outreach efforts.
• Check the purity and estimated value of gold brought in for lending purposes.
• Handle loan application processing and sustain healthy client relationships to achieve assigned sales targets.
• Clarify loan terms and conditions for customers, respond to their questions, and ensure all actions comply with internal and regulatory requirements.

Eligibility

This opportunity is open to graduates from any discipline.

Additional information

No stipend or fixed salary details were provided in the source. No specific perks, notice period, work schedule, or number of vacancies were mentioned.