Gold Loan Officer, KA-TN-KL

About the Role

• Full Time Position
• Reports to: Area Head-Gold Loan

Role Purpose & Objective

• Achieve and exceed targets set for Number and Value of Gold Loans.
• Serve as the primary contact for gold loan customers, pitching the product, explaining details, and collecting 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 Loans and manage regular collections.
• Act as a backup for Assets Desk Officers in their absence.

Key Duties & Responsibilities

• Business
• Daily/Weekly/Monthly achievement of targets for gold loan volume and value.
• Working on OSP increment of assigned portfolio.
• Meeting Cross Sales targets for the assigned portfolio.
• Calling/visiting eligible customers to pitch the product and collect leads.
• Conducting outbound promotional activities for Gold Loan lead generation.
• Coordination with feet on streets, DSAs, and BC points.
• Ensuring proper collection of 0-90 DPD cases in the branch.
• Customer
• Educating customers about Gold Loan schemes/services.
• Focusing on outbound activities and generating leads from NTB and ETB customer pool.
• Ensuring prompt and accurate handling of customer queries at the field level.
• Ensuring smooth and prompt service from other partner channels to customers.
• Internal Process
• Ensuring compliance with lending guidelines, quality framework, and audit requirements.
• Identifying defaulting or negative areas for gold loans based on field observations.
• Providing constructive feedback on on-field and competitor activities.
• Ensuring necessary items like appraiser availability and loan-related admin requirements are in place.
• Learning & Performance
• Staying updated on relevant circulars and all products/services.
• Ensuring adherence to training man-days/mandatory training programs.
• Ensuring 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: 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.

Qualifications

• Certifications: None specified.
• Competencies: None specified.

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.