Gold Loan Officer, KA-TN-KL

About the Role

• Position Title: Gold Loan Officer
• Department: Gold Loan
• Location: RO
• Type of Position: Full Time
• Reports To: 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 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

• Achieve daily, weekly, and monthly targets for gold loans in 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 dealt with promptly and accurately at the field level.
• Ensure smooth and prompt service from other 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 like appraiser availability and loan admin requirements are in place.

Learning & Performance

• Stay updated on relevant circulars and all branch products/services.
• Ensure adherence to training man-days/mandatory training programs.
• Ensure timely goal-setting, mid-year reviews, and annual appraisals.

Requirements & Tech Stack

Educational Qualifications

• Graduate or Professional Post graduate in any discipline.

Experience

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

Functional Skills

• Ability to plan and coordinate.
• Managing customer relations.
• Gold Loan Product Knowledge.

Behavioral Skills

• Ability to speak and read regional language(s) and English.
• Good verbal fluency; uses 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.