Sasmita Rout

Managed end-to-end processing of gold loan applications, including customer verification, gold appraisal coordination, loan disbursement, and documentation.

Ensured accurate assessment of gold purity and weight in coordination with authorized appraisers, maintaining compliance with internal and regulatory guidelines.

Processed gold loan renewals, top-ups, and closures while ensuring timely interest collection and maintaining asset quality.

Educated customers on gold loan schemes, interest rates, repayment terms, and helped resolve queries and disputes effectively.

Maintained detailed and accurate records of pledged gold, valuation reports, KYC documents, and transaction logs for audit and compliance purposes.

Coordinated and executed disbursement of group loans under microfinance or self-help group (SHG)/joint liability group (JLG) models.

Verified group formation, loan eligibility, and credit appraisal reports before initiating the disbursement process.

Ensured collection and verification of KYC documents for all group members in compliance with regulatory and internal policies.

Conducted pre-disbursement checks including field verification, group meetings, and orientation on loan terms and repayment structure.

Facilitated seamless loan processing in the core banking or loan management system (e.g., LOS).

Maintained detailed documentation for audit readiness and ensured disbursement entries were accurately recorded.

Processed and verified outward clearing instruments such as cheques, demand drafts, and other negotiable instruments within prescribed cut-off times.

Evaluate credit worthiness by processing loan applications and documentation within specified limits.

Interview applicants to determine financial eligibility and feasibility of granting loans.

Calculation of eligibility and FOIR calculations of customer according to basic and CIBIL report.

Communicate with clients either to request or to provide information.

Justify decisions (approvals/rejections) and report on them.

Operate in compliance with laws and regulations and adhere to lending compliance guidelines. Ensure quality sourcing in line with the Banks policy.

Actively seeking out new sales opportunities through cold calling, networking etc.

Introduce & acquire new customer in the identified segment and reference generation from the specified catchment.

Abide strictly with the selling norms defined by the organization and adherence to guidelines by internal & external regulators.

Ensure quality sourcing in line with the Banks policy.

Driving cross sell products and ensure internal & external customer satisfaction.

Actively seeking out new sales opportunities through cold calling, networking etc.

Sourcing new files for PL/BL and evaluate customer needs.

Driving cross sell products and ensure internal & external customer satisfaction.

Coordinating with associates, seniors, and credit managers for processing of files, disbursement of files on time.

Calculation of eligibility and FOIR calculations of customer according to basic and CIBIL report.

Efficiently respond to any online or telephone queries in a calm and friendly manner.

Achievement of 13th month Persistency Targets and Overall Collection targets.

Answer calls professionally to provide information about products and services, obtain details of complaints.

Keep records of customer interactions and transactions, recording details of inquiries, complaints, and comments, as well as actions taken. Process forms and applications.

Refer unresolved customer grievances or special requests to designated departments for further investigation.

Achievement of Persistency & Renewal Collection targets.

Data Analysis and data mining for strategy formulation.

Ensure timely closure of sales dairy & timely sharing of all Regulatory reports.

Ensure timely & accurate reporting to field & internal teams. Sharing of MIS and other related information and communication.