Gold Loan Officer, KA-TN-KL

Gold Loan Officer

Ujjivan Small Finance Bank

About the Role

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

Role Purpose & Objective

• Achieve and exceed targets for the number and value of gold loans.
• Serve as the primary contact for gold loan customers, pitching the product, explaining details, and collecting necessary 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 back-up for Assets Desk Officers when they are absent.

Key Duties & Responsibilities

Business

• Achieve daily, weekly, and monthly gold loan targets (volume and value) for the branch.
• Work on increasing the OSP (Outreach and Sales Potential) of the assigned portfolio.
• Meet cross-sales targets for the assigned portfolio.
• Call or visit eligible customers to pitch the product and collect leads.
• Conduct outbound promotional activities for gold loan lead generation.
• Coordinate with field teams, DSAs, and BC points.
• Ensure proper collection of loans in the 0-90 DPD (Days Past Due) range for the branch.

Customer

• Educate customers about the gold loan schemes and services offered by Ujjivan.
• Focus on outbound activities and generating leads from new and existing customers.
• Ensure customer queries are addressed promptly and accurately at the field level.
• Ensure smooth and prompt service from partner channels to customers.

Internal Process

• Comply with lending guidelines, quality frameworks, 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 resources like appraiser availability and loan administration requirements are in place.

Learning & Performance

• Stay updated on relevant circulars and all products/services offered in the branch.
• Adhere to training man-days and mandatory training programs.
• Participate in goal setting, mid-year reviews, and annual appraisals within specified timelines.

Requirements & Tech Stack

Minimum Requirements

• Graduate or Professional Post-graduate in any discipline.
• 0 to 2 years of Experience in any Asset product, preferably Gold loan.
• Ability to plan and coordinate.
• Managing customer relations.
• 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.