Gold Loan Officer, KA-TN-KL

Ujjivan Small Finance Bank is seeking a Gold Loan Officer for a full-time position.

About the Role

This role is responsible for achieving and exceeding targets for the number and value of gold loans. The Gold Loan Officer will be the primary contact for gold loan customers, pitching the product, explaining details, and collecting required documents. They will also coordinate with the branch team and external members, resolve field-level queries, and manage regular collections. The role acts as a backup for Assets Desk Officers in their absence.

Key Duties & Responsibilities

• Business
• Achieve daily, weekly, and monthly targets for gold loan volume and value.
• Work on OSP increment of the assigned portfolio.
• Meet Cross Sales targets for the assigned portfolio.
• Call/visit eligible customers, pitch products, and collect leads.
• Conduct outbound promotional activities for Gold Loan lead generation.
• Coordinate with feet on streets, DSAs, and BC points.
• Ensure proper collection of 0 – 90 DPD cases.
• Customer
• Educate customers about Gold Loan schemes/services.
• Focus on outbound activities and generating leads from NTB (New to Bank) and ETB (Existing to Bank) customer pools.
• Ensure customer queries are dealt with promptly and accurately at the field level.
• Ensure smooth and prompt service from other partner channels.
• Internal Process
• Ensure compliance with lending guidelines, quality framework, and audit requirements.
• Identify defaulting or negative areas for gold loans based on field observations.
• Provide constructive feedback on on-field and competitor activities.
• Ensure necessary items like appraiser availability and loan-related admin requirements are in place.
• Learning & Performance
• Stay updated on all relevant circulars and branch products/services.
• Ensure adherence to training man-days/mandatory training programs.
• Complete goal-setting, mid-year review, and annual appraisal processes within specified timelines.

Requirements & Tech Stack

• Functional Skills
• Ability to plan and coordinate.
• Managing customer relations.
• Gold Loan Product Knowledge.
• Behavioral Skills
• Gold Loan Product knowledge.
• Ability to speak and read regional language(s) and English.
• Good verbal fluency and uses simple, clear, and purposeful language.
• Good Computer knowledge.
• Performance oriented.

Qualifications

• Educational Qualifications: Graduate or Professional Post graduate in any discipline.
• Experience: 0 to 2 years of experience in any Asset product, preferably Gold loan.
• Certifications: Not applicable.