Personal Banker Gold Loan

1 month ago

Chandigarh, India PROMAYNOV ADVISORY SERVICES PVT LTD Full time

Dear Mandeep,

It was nice interacting with, as mentioned earlier I’m sharing the job description with you

For your better understanding.

After going through the JD please revert us back with your confirmation for further details.

**Job Purpose**

**Gold Loan Business / Operations Management**:
Role assumes complete ownership of Branch’s Gold Loan business and is also responsible for Operational / Hygiene parameters of Gold Loan thereby leading to overall Gold Loan Portfolio growth in totality. PBGL will Liaison with central teams associated with GL vertical viz, Product, CIC (Risk), Operations and other vertical/ roles like Local BOTC, Cluster Operations Manager etc.

**Portfolio Management**

PBGL Is equally responsible for portfolio management by acquisition of new portfolio customers and enhancement of the relationship by cross-selling products and services as per the profile & need of the customers. Acquiring family accounts and deepening the size of the relationship and retention of the customers by providing the best possible services and being the dedicated point of contact for these customers. Ultimately should lead to we becoming the primary banker for these Classic relationships and maximize the share of wallet of these customers.

**Job Responsibilities(JR)**

**Actionable**

**Gold Loan Business**
- Ensure Breakeven of the Branch is Gold Loan business within specified month (if newly launched GL desk)
- Calling on High propensity Gold Loan databases / references / Walk-in leads etc.
- Assist in planning / organizing marketing / promotional activity within the branch to create visibility and boost GL sales
- GL Closure customers to avoid closing Gold Loan Exposure

**Achievement of income plans and other benchmarks within portfolio**
- Ensure that income plans for the month and year are duly met across products
- Achieving of portfolio level benchmarks of and IPH
- Income product to be sold to each group of the portfolio in the year
- Ensure that the benchmark sales per month is met
- Usage of net banking / Mobile banking, Bill pay, RDFD penetration benchmark to be met
- CEP to be met as per cycle

**Managing Portfolio sales / Hygiene**
- Ensure quality new acquisition on SA and CA for Resident/Non-Resident
- Structured bundled offering of Products and Services to the customer within the defined timeline
- Penetration of Saving Accounts on non-liability customers
- Utilizing the sales resources (BDR/COEX) for optimal sales support
- Penetration of FD to unique customers
- Using Data-mine for cross-selling
- Sales of various Credit Cards
- Sales of Third Party Products to the customers
- Sales of Asset Products
- Disseminating product information
- Activation: To ensure that all accounts savings and current account (non-ABM branches) opened in the month are activated as per product
- Calling on Large Value Attrition:

- Enhancing customer wallet size
- Attrition control of customers
- Manage the benchmark no. of customers in the portfolio
- Extend Classic benefits to customers basis identification in eligibility lists/ LTR
- Ensure that individual customers are grouped and Customer To Group (CTG) Ratio is maintained on the portfolio
- By grouping them with their family members who already hold accounts with us
- By grouping them with their family members post selling liability products to the family members, if they do not have banking relationship with us
- Ensure that optimal levels of Income generating Product Group Holding (IPH) is reached
- Ensure that within each customer group a minimum number of stipulated Income Generating products are sold
- Ensure that the Customer Group profitability is achieved
- Manage Band 1 and 2 customers and ensure that they are moved to Band 3 and above
- Enhance Values within each of the customer groups
- Online updation of CRMNext at every stage of customer contact on the portfolio
- Proactively raising the eligible customers to the classic portfolio within the prescribed product program
- Ensure that all classic customers within the portfolio are contacted
- Usage of APT and data in CRM for effective call planning and review with BH / PBA(Pre call planning and post call review )
- Detailed updation of interaction to be captured in CRM, Tasks/ leads to be created, profiler to be updated on same day of interaction

**Gold Loan & Other Operations**

**Gold Loan Operations**:

- Managing Gold Loan operations in the Branch of every customer approaching the Branch for availing new gold Loan, renewal of existing gold Loan, Gold Loan Closure (complete / Partial)
- Ensure GL processing happened within specified TAT
- Ensure zero FTNR is maintained in processing Gold Loan cases / Transactions
- Sealing articles, Vaulting, filing required while processing Gold Loan
- Mandatory central reporting / updating of GL
- Handling day to day queries / inquiries on Gold Loan
- Responsible for complete audit parameters associated with Gold Loan during Branch / RBI Audit
-

  • Personal Banker

    1 month ago

    Chandigarh, India Abacus Consultants Full time

    Education: Any Graduate Skills: NRI - PB CTC Range: 5 lkh ~ 6 lkh **Personal Banker - NRI Business** **Job Title**: Personal Banker-NRI **Business Unit (PA)**:NRI Business **Team **:NRI Sales **Reports to (job) **:Regional Head / PB Head **Location of role **:Pan India **Job Fn**:Sales **Role Type**:Individual Contributor **No of direct reportees:...

  • Sales Manager

    2 months ago

    chandigarh, India Skill Ventory Full time

    Roles and Responsibilities Looking for a candidate who is having a good exposure in Personal Loan and Channel Sales. Responsible for generating the business through DSA and DST. Handling all the process till disbursement.

  • Hiring for Personal Banker

    2 weeks ago

    Chandigarh, India Forpple Consulting Full time

    **Hiring For Personal Banker (Chandigarh Location)**: - From 2 to 7 year(s) of experience - ₹ 6-7 Lacs P.A. - Chandigarh,Chandigarh- or Apply **Roles and Responsibilities** - ** Maintain Daily Sales Report**: - ** Ensure quality new acquisition on SA and CA for Resident/Non Resident**: - ** Penetration of Saving Accounts on non liability...

  • Education Loan Councellor

    4 weeks ago

    Chandigarh, India Bizaccenknnect Pvt. Ltd. Full time

    **Job description: -** - Will be working with the marketing team and will be managing the existingpartners in the system (involved in the Partnership Building process). - Reaching outto new partners(Education Consultancies) and converting them. - Fetching student queriesfor loans (from Education Consultancies) on a daily basis and visiting there Location to...

  • Home Loan Executive

    4 weeks ago

    Chandigarh, India SBICAP Securities Full time

    NEED CANDIDATES WITH PREVIOUS HOME LOAN EXPERIENCE ONLY. **Salary**: ₹105,093.98 - ₹260,000.00 per year **Benefits**: - Health insurance - Leave encashment - Life insurance - Provident Fund Schedule: - Day shift Ability to commute/relocate: - Chandigarh, Chandigarh: Reliably commute or planning to relocate before starting work (required) Work...

  • Home Loan Executive

    1 month ago

    Chandigarh, India hdfc sales pvt lts Full time

    Required Home loan sales officer for HDFC SALES PVT LTD in ZIRAKPUR fresher or experienced, minimum qualification Graduation required. **Salary**: ₹14,000.00 - ₹17,000.00 per month **Benefits**: - Health insurance - Provident Fund Schedule: - Morning shift Supplemental pay types: - Commission pay - Yearly bonus **Experience**: - total work: 1...

  • Home Loan Executive

    19 hours ago

    Chandigarh, Chandigarh, India Amiscent Careers Full time

    **Role - Sales Officer (Home Loans)** **LOCATION - Chandigarh, Zirakpur, Kharar, Yamunanagar** **SALARY UPTO 3.2 LPA** **EXPERIENCE - MIN 1 YEAR** **QUALIFICATION - GRADUATION** **Purpose**:Will be responsible for meeting targets, identify new sources from assigned geography, and maintain good relationship with sources, achieving efficiency of assigned...

  • Retail Sales Officer

    1 month ago

    Chandigarh, Chandigarh, India P.P. Jewellers Full time

    Arranging displays of jewelry, gold and diamonds in the shop - Discussing what the customer wants and choosing suitable items - Arranging different methods of payment: cash, credit and debit cards or by installments - Gift wrapping items purchased - Examining pieces of jewelry and quoting a value - Repairing, adjusting and cleaning jewelry - Carrying out...

  • Rao Financal Services

    1 month ago

    Chandigarh, Chandigarh, India RAO FINANCIAL SERVICES Full time

    Vacancy: - Sales Executive for Home Loan, Personal Loan, Car Loan Product. Freshers Can Also Apply. Contact: - 9988306185. Rao Financial Services. S.C.O No.108, Cabin no.2 Sector 35-C Chandigarh. Pay: From ₹15,000.00 per month **Education**: - Higher Secondary(12th Pass) (preferred) **Experience**: - total work: 1 year...

  • Sales Officer

    4 weeks ago

    Chandigarh, Chandigarh, India PVR ltd Full time

    **Client Acquisition**: Identify potential clients through various channels such as referrals, cold calling, networking, and marketing campaigns. - **Consultative Selling**: Understand clients' financial needs and recommend suitable consumer loan products, providing expert advice and guidance throughout the sales process. - **Credit Analysis**: Conduct...

  • Rao Financal Services

    4 weeks ago

    Chandigarh, India RAO FINANCIAL SERVICES Full time

    Vacancy: - Sales Executive for Home Loan, Personal Loan, Car Loan Product. Freshers Can Also Apply. Contact: - 9988306185. Rao Financial Services. S.C.O No.108, Cabin no.2 Sector 35-C Chandigarh. **Salary**: From ₹20,000.00 per month **Education**: - Higher Secondary(12th Pass) (preferred) **Experience**: - total work: 1 year...

  • Job Opening in Finance

    4 weeks ago

    Chandigarh, India Sushma Buildtech Limited Full time

    Preparation of business plan/financial models for availing project loans. - Create financial models to evaluate potential new development or investment opportunities. - Liasioning with different financial institutes/mediators for availing project loans. - Managing and overseeing daily operation of accounts and finance department. - Cash flow statement,...

  • Female Mass Media Intern

    1 month ago

    Chandigarh, India P.P. Jewellers Full time

    Must be attractive and camera friendly - Media and client coordination - Bachelor’s degree in Mass Communication, Journalism, Public Relations or related field - Excellent written and verbal communication skills - Strong interpersonal and networking skills - Creativity and the ability to think outside the box - Knowledge of social media platforms and...

  • Bank Job in Mohali

    5 days ago

    Chandigarh, India LoanNow Full time

    **Salary** **Junior Profile: 14,000-16,000/month + incentives up to 15,000/month** **Senior Profile: 16,000-20,000/month + incentives up to 18,000/month** **Team Leader: 20,000-30,000/month + incentives up to 22,000/month** **Work Location**: Mohali **Benefits**: - Morning/Fixed shift - 18 Leaves/Year - Salary appraisal in 3 months (Performance...

  • Bank Job in Mohali

    2 days ago

    Chandigarh, India LoanNow Full time

    **Salary** **Junior Profile: 14,000-16,000/month + incentives up to 15,000/month** **Senior Profile: 16,000-20,000/month + incentives up to 18,000/month** **Team Leader: 20,000-30,000/month + incentives up to 22,000/month** **Work Location**: Mohali **Benefits**: - Morning/Fixed shift - 18 Leaves/Year - Salary appraisal in 3 months (Performance...

  • Home Loan Executive

    4 weeks ago

    Chandigarh, Chandigarh, India Nation Wide Consultancy Full time

    No charges Education min graduation Male only two wheeler mandatory fresher and exp both can apply Salary 15000/month ctc for fresher For exp 15000 to 18000/month ctc + incentive Job location and number of vacancies City. vacancies Karnal. 02 Sirsa. 05 Kaithal. 02 Yamuna nagar. 04 Ambala. 02 Amritsar. 04 Jalandhar. 04 Batala. 03 Gurdaspur....

  • CRM Executive

    1 month ago

    Chandigarh, Chandigarh, India Vaneet Infrastructures and Developers Pvt Ltd Full time

    Ensure timely communication with clients for timely collection of funds at various milestones of projects. Following up with banks / financial institutions for project approvals and customer loan sanctions for timely disbursement of customer loans. Analyze overdue MIS and keep it minimum. Coordination with Banks with an appropriate solution to client...

  • Home Loan Department

    1 month ago

    Chandigarh, India HIKE CONSULTANCY Full time

    scf 45 second floor cabin no 3 near babbu maan store 11 phase mohali 65 sector Resume with all original documents file with interview look ( Check security must ) meet to Reshma mam 8559079283 **Job Types**: Full-time, Fresher **Salary**: ₹12,000.00 - ₹18,000.00 per month **Benefits**: - Health insurance Schedule: - Day shift Supplemental pay...

  • Customer Care Executive

    2 days ago

    Chandigarh, Chandigarh, India Winni Retails Pvt. Ltd. Full time

    We are Hiring Sales Manager (Male) having Knowledge of one of these Sector - **Banking Loan / Credit Cards**: - **Real Estate**: - **Insurance Policy Sale** Immediate Joiner will be Preferred. **Job Type**: Permanent Pay: ₹12,000.00 - ₹20,000.00 per month **Benefits**: - Provident Fund Schedule: - Morning shift Supplemental pay types: -...

  • Tele Caller Executive

    5 days ago

    Chandigarh, Chandigarh, India Amit K Sharma & Assoociates Full time

    Proven experience as a B2B Telecaller or similar sales/customer service role. - Excellent communication and interpersonal skills, with the ability to engage and build rapport with clients over the phone. - Strong sales acumen and negotiation skills, with a track record of achieving or exceeding sales targets. - Self-motivated and results-driven, with the...