Gold Loan Officer, KA-TN-KL

About the Role

The Gold Loan Officer will be responsible for achieving and exceeding targets for the number and value of Gold Loans, serving as the primary contact for gold loan customers, and coordinating with the branch team and external members.

Key Responsibilities

• Business
• Achieve daily, weekly, and monthly targets for gold loan volume and value.
• Work on the OSP increment of the assigned portfolio.
• Meet Cross Sales targets for the assigned portfolio.
• Call/visit eligible customers to pitch the product 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 in the branch.
• Customer
• Educate customers about Gold Loan schemes/services.
• Focus on outbound activities and generating leads from NTB and ETB customer pools.
• Ensure customer queries are dealt with 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 the availability of appraisers and other loan-related admin requirements.
• Learning & Performance
• Stay updated 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

• Computer knowledge
• Ability to speak and read regional language(s) and English
• Good verbal fluency using simple, clear, and purposeful language.

Qualifications

• Graduate or Professional Post graduate in any discipline.
• 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.
• 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.