Gold Loan Officer, KA-TN-KL

About the Role

This is a Full Time position for a Gold Loan Officer at Ujjivan Small Finance Bank.

Role Purpose & Objective

• Achieve and exceed targets for the number and value of Gold Loans.
• Act as the primary contact for gold loan customers, pitching the product, explaining details, and collecting documents.
• Coordinate with the branch team and external members.
• Resolve field-level customer queries related to Gold Loans and manage regular collections.
• Provide backup for Assets Desk Officers in their absence.

Key Duties & Responsibilities

Business

• Daily/Weekly/Monthly achievement of gold loan targets (volume and value).
• Working on OSP increment of the assigned portfolio.
• Meeting Cross Sales targets for the assigned portfolio.
• Calling/visiting eligible customers, pitching the product, and collecting 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 (New to Bank) and ETB (Existing to Bank) customer pools.
• Ensuring customer queries are dealt with promptly and accurately at the field level.
• Ensuring smooth and prompt service from 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 availability of appraisers and loan-related admin requirements.

Learning & Performance

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

Certifications

• NA

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.