Gold Loan Officer, KA-TN-KL

About the Role

This is a full-time position for a Gold Loan Officer reporting to the Area Head-Gold Loan.

Role Purpose & Objective

• Achieve and exceed targets 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 branch teams and external members.
• Resolve field-level customer queries related to gold loans and manage regular collections.
• Act as a backup for Assets Desk Officers in their absence.

Key Duties & Responsibilities

Business

• Achieve daily, weekly, and monthly gold loan targets in both volume and value.
• Work on increasing the assigned portfolio.
• Meet cross-sales targets for the assigned portfolio.
• Call/visit eligible customers, 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.

Customer

• Educate customers about gold loan schemes and services.
• Focus on outbound activities and generating leads from new and existing customers.
• Ensure customer queries are dealt with 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 necessary resources, such as appraisers and loan administration requirements, are available.

Learning & Performance

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

Requirements & Tech Stack

• Good Computer knowledge.
• Ability to speak and read regional language(s) and English.
• Good verbal fluency, using simple, clear, and purposeful language.

Qualifications & Experience

• Graduate or Professional Post graduate in any discipline.
• 0 to 2 years of Experience in any asset product, preferably Gold loan.
• Gold Loan Product Knowledge.

Skills

• Ability to plan and coordinate.
• Managing customer relations.
• Performance oriented.