Dinakaran C

Result-oriented Gold Loan professional with 4+ years of experience across NBFCs and Small Finance Banks. Expertise in managing ₹4 Cr gold loan portfolio with Zero NPA, gold appraisal, field sales, and HNI relationship management. Proven track record in ensuring 100% RBI, KYC, and AML compliance. MBA-HR graduate looking for a Relationship Officer role in a growth-focused NBFC.

WORK EXPERIENCE

Equitas Small Finance Bank, Nagercoil

Gold Loan Relationship Officer | Jul 2025 – Present

• Managing and growing ₹4 Cr gold loan portfolio with Zero NPA and Zero delinquency
• Executing 25+ daily field visits for sourcing new HNI and retail customers
• Single point of contact for gold appraisal, documentation, disbursal, and renewals
• Ensuring 100% compliance with RBI, KYC, and AML guidelines for all loans

Ujjivan Small Finance Bank, Nagercoil

Gold Loan Officer | May 2024 – Jun 2025

• Handled end-to-end loan process from appraisal to closure with high customer satisfaction
• Trained 5+ branch staff on gold purity testing, valuation techniques, and fraud detection
• Maintained portfolio quality with Zero NPA and achieved 95% customer retention

Bandhan Bank, Nagercoil

Sales Officer – Gold Loan | Nov 2023 – Apr 2024

• Generated 70% of total branch gold loan business through direct market sourcing
• Assessed borrower creditworthiness and collateral to maintain Zero delinquency
• Optimized documentation process and reduced loan Turn Around Time to 25 minutes

Manappuram Finance Limited, Nagercoil

Senior Assistant | Dec 2021 – Nov 2023

• Processed 30+ gold loan applications daily with accurate appraisal and valuation
• Managed branch vault operations, cash management, and daily EOD reconciliation
• Assisted in internal and RBI audits ensuring zero observations and full compliance
• Promoted from Assistant to Senior Assistant in 18 months for consistent performance

EDUCATION

MBA – Human Resource Management | Alagappa University | 2023

BA – History | ST Hindu College, Nagercoil | 2020