Gold Loan Officer

About the Role

• Gold Loan Officer
• Reports to: Area Head-Gold Loan
• Location: RO

Key Responsibilities

Business

• Achieve and exceed targets for the number and value of Gold Loans.
• Primary contact for gold loan customers: pitch the product, explain details, and collect required documents.
• Coordinate with the branch team (ADO, BM, CRM, CCR, CROs, LOs) and external members (BCs, DSAs leads).
• Resolve field-level customer queries related to Gold Loan and manage regular collections.
• Act as a backup for Assets Desk Officers in their absence.
• Daily/Weekly/Monthly achievement of targets for gold loan, both in volume and value.
• Work on OSP 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.

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 to customers.

Internal Process

• Ensure compliance with lending guidelines, quality framework, and audit requirements.
• Identify defaulting areas or negative areas for gold loan based on field observations.
• Provide constructive feedback on on-field and competitor activities.
• Ensure availability of appraisers and other loan-related admin requirements.

Learning & Performance

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

Requirements & Tech Stack

No specific tech stack is mentioned in the raw text.

Qualifications

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 and 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.