Gold Loan Officer, KA-TN-KL

About the Role

• Job Title: Gold Loan Officer
• Location: RO
• Type of Position: Full Time
• Reports To: 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: 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, etc.).
• Resolve customer queries related to Gold Loans at the field level and manage regular collections.
• Act as back-up for Assets Desk Officers in their absence.

Key Duties & Responsibilities

Business

• Daily, weekly, and monthly achievement of gold loan targets (volume and value) for the branch.
• Work on the increment of 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 in the branch.

Customer

• Educate customers about Gold Loan schemes/services offered by Ujjivan.
• Focus on outbound activities and generating leads from new-to-bank (NTB) and existing-to-bank (ETB) customer pools.
• Ensure customer queries are handled 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 things are in place, such as appraiser availability and loan-related administrative requirements.

Learning & Performance

• Stay up-to-date on relevant circulars and all products/services offered in the branch.
• 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

Minimum Requirements

• Educational Qualifications: Graduate or Professional Post graduate in any discipline.
• Experience: 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.