Urgent Hiring Gold Loan Executive

**Job Purpose**

**PB sales (Gold loan )**

**Experience Required**
**Minimum experience in years - 1 yr**
**Exposure to banking preferable**

**Location - Dewas**

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
- Ensure smooth functioning of Gold Loan Desk of
the branch
- Ensure all regulatory / compliance norms set by the
regulator / B