Gold Loan Officer, KA-TN-KL

Ujjivan Small Finance Bank is seeking a Gold Loan Officer for a full-time position.

About the Role

• Primary contact for gold loan customers.
• Pitching products, explaining details, and collecting required documents.
• Resolving field-level customer queries and managing regular collections.
• Acting as back-up for Assets Desk Officers in their absence.

Key Responsibilities

• Business
• Achieve and exceed targets set for the number and value of gold loans.
• Work on OSP increment of the assigned portfolio.
• Meet Cross Sales targets set for the assigned portfolio.
• Call/visit eligible customers, pitch products, and collect leads.
• Conduct outbound promotional activities for gold loan lead generation.
• Coordinate with feet on streets, 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 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.
• 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 availability of appraisers and loan-related admin requirements.
• Learning & Performance
• Stay up-to-date on relevant circulars and all products/services offered.
• Ensure adherence to training man-days/mandatory training programs.
• Ensure goal-setting, mid-year review, and annual appraisal processes are completed within timelines.

Requirements & Tech Stack

• Experience: 0 to 2 years in any asset product, preferably Gold loan.
• Educational Qualifications: Graduate or Professional Post-graduate in any discipline.
• 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.

Qualifications

• Certifications: NA

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.