Gold Loan Officer, KA-TN-KL

About the Role

This is a Full Time position for a Gold Loan Officer at Ujjivan Small Finance Bank, reporting to the Area Head-Gold Loan.

Role Purpose & Objective

• Achieve and exceed targets set for the number and value of Gold Loans.
• Serve as the primary contact for gold loan customers, pitching the product, explaining details, and collecting required documents.
• Coordinate with the Branch team (ADO, BM, CRM, CCR, CROs, LOs) and external members (BCs, DSAs leads).
• Resolve customer queries related to Gold Loans at the field level and manage regular collections.
• Act as a backup for Assets Desk Officers in their absence.

Key Duties & Responsibilities

Business

• Daily, Weekly, and Monthly achievement of targets for gold loans (volume and value).
• Work on the increment of the assigned portfolio.
• Meet Cross Sales targets for the assigned portfolio.
• Call/visit eligible customers to pitch the product and collect leads.
• Conduct outbound promotional activities for Gold Loan lead generation.
• Coordinate with feet on the street, DSAs, and BC points.
• Ensure proper collection of 0 – 90 DPD cases in the branch.

Customer

• Educate customers about Gold Loan schemes/services.
• Focus on outbound activities and generating leads from new and existing customers.
• Ensure customer queries are handled promptly and accurately at the field level.
• Ensure smooth and prompt service from partner channels to customers.

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 availability of appraisers and other loan-related administrative requirements.

Learning & Performance

• Stay updated on relevant circulars and all products/services offered.
• Ensure adherence to training man-days/mandatory training programs.
• Ensure goal-setting, mid-year review, and annual appraisal processes are completed within specified timelines.

Requirements & Tech Stack

Educational Qualifications

• Graduate or Professional Post-graduate in any discipline.

Experience

• Fresher, 0 to 2 years of Experience in any Asset product, preferably Gold loan.

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, using simple, clear, and purposeful language.
• Good Computer knowledge.
• Performance oriented.

Key Interactions

• Internal: ADO-Gold Loan, BOO-SFB, CCR-URC, Appraiser, Cashier, Regional Product, Credit, Operations, Collections, Audit and Vigilance, CRO, LO, SO, RO.
• External: Competitors in Gold Loan, CCR, Other Channel Partners.