Authorizer- Glo

**5 - 8 years**:
**Any Graduate**:
**Gold loan operations**:
**6 lkh ~ 9 lkh**:
**Job Name - Authoriser - Gold Loan Operations (GLO) (Retail Asset Operations)**

**Job Title **:(Job Name) - Authoriser - Gold Loan Operations (GLO)

**Business Unit (PA) **:Operations

**Team **:Retail Asset Operations

**Reports to (job)**: Area Operations Manager(AOM)

**Job Fn **:Retail Asset Operations

**Role Type**:Individual Contributor

**No of direct reportees**:Nil

**Travel Required **:Light

**Job Band Range **:E2 - E3

**Job Purpose**
- Management of Loan against Gold Jewelry operations in the branch as per laid down process and guidelines. Reporting deviations as per bank policy and ensure smooth and flawless operations at all the time.
- Disbursement of scan based / physical files - Personal Loans / Two Wheeler Loans.
- Calling to Business Banking customers for informing submission of stock statements

**Job Responsibilities(JR) : 6 - 8 Areas
**Actionable (4-6)**

Loan against Gold Jewelry operations
- Loan Application Form checking as per laid down guidelines.
- Know Your Customer checking as per bank’s KYC Policy.
- To conduct sample checking & valuation of jewelry by valuer.
- Ensure proper inputting of data in Loan Origination System.
- To generate repayment schedule and payment detail updation as per Straight Through Process/Non-Straight through Process.
- Proper storage of Gold packet as per defined guidelines.
- To manage all vouchers and records as per laid down guidelines.
- Timely processing of all records in the RMS/Archival system as per laid down guidelines.
- To liaise with Record management Agency for storage/retrieval of records.
- To ensure system Security
- Investigate customer complaints and analyze, send response and resolve the same under intimation to seniors.
- Liaison with internal customers for resolution of issues.
- Suspense/General Ledger accounts monitoring.
- Store all security documents, instruments, etc. in FRFC under dual custody.
- To convert customer on digital platform.

**Educational Qualifications
**Key Skills**
- Graduation:

- Post-Graduation:

- Banking Product & Process Knowledge
- Regulatory knowledge
- Planning and Organizing Skills
- Communication Skills

**Experience Required**
- Minimum experience in years - 1 year
- Exposure to Banking Operations / Gold Loan Operations preferable

**Major Stakeholders**(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
- Customers
- Branch Banking Team
- Operations
- Product Team
- Business Team
- Credit Policy Team
- BCU
- Collections Team
- Admin Team