Gold Loan Officer

**Role Description-**

**Officer - Gold Loan(GDO- Sales)**

**ROLE PURPOSE & OBJECTIVE**
- **Achieve and Exceed targets set for Number and Value of Gold Loans**:

- **Primary contact for gold loan customers
- pitching product to them, explain all details about product, collect required documents.**:

- **Coordinate with Branch team - ADO, BM, CRM, CCR, CROs, LOs and external members - BCs, DSAs leads etc.**:

- **Resolve all field level queries of customer related to Gold Loan and manage regular collections.**

**I. KEY DUTIES & RESPONSIBILITIES OF THE ROLE**

**Business**
- **Daily/ Weekly /Monthly achievement of the targets set for gold loan, both in volume and value terms as established for the branch**:

- **Call/ visit eligible customers, pitch them about product and collect leads**:

- **Do Out bound promotional activities for Gold Loan lead generation**:

- **Coordination with feet on streets, DSAs and BC points**:

- **Ensure proper collection of 0 - 90 DPD cases in the branch**

**Customer**
- Ensure customers are educated about Gold Loan schemes/services offered by Ujjivan.
- **Key focus on Out bond activities and generating leads from NTB and ETB customer pool**
- **Ensure Customer queries are dealt with promptly and accurately at 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;
- **Ensure that defaulting areas or negative area for gold loan need to be identified based on field observations**
- **Give constructive feedback on on-field and competitor activities**
- Ensure all the necessary things like: availability of appraisers, loan related admin requirements etc. are in place

**Learning & Performance**
- To be up to date on all relevant circulars and all products/services offered in the Branch
- **Ensure adherence to training man-days/ mandatory training programs for self and team**
- **Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self**

Functional Skills
- Knowledge on Gold Loan and OD products
- Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage
- Basic knowledge of accounting and finance administration desirable
- Is fluent in the local languages and has a working knowledge of English
- Knowledge of KYC/AML norms and other guidelines

Behavioral Skills
- Cross selling skills
- Willingness to travel & relocation as per business requirements and career opportunities
- Interpersonal skills
- Ability to interface (orally and in writing) with all levels of associates and customers
- Ability to manage channel partners and other stakeholders
- Training skills

Competencies Required
- Building Relationship
- Driving Change
- Facilitate Marketing and branding
- Collaboration

**Functional Skills**
- **Ability to plan and coordinate**
- Managing customer relations
- **Gold Loan Product Knowledge**

Behavioral Skills
- Gold Loan Product knowledge
- Ability to speak and read regional language(s) and English
- Has good verbal fluency and uses simple, clear and purposeful language.
- Good Computer knowledge.
- Performance oriented

Competencies

NA

**II. Performance Matrices**

Balance Scorecard Perspective

Key Result Areas

Key Performance Index

Business

Business Growth
- Total Gold loan disbursed (Plan vs. Actual)
- Leads conversion rate

Bottom-line
- Cross Sell Numbers

Customer

Customer Retention
- % conversion of Renewal eligible customers

Internal Process

Portfolio Health
- % Reduction in PAR (0 - 90 days)

Fraud Control
- No. of frauds in gold

Learning & Development

Performance management
- Adherence to timelines for completion of PMS for self

Training
- No. of Training Man days attended

**Job Types**: Full-time, Permanent

Pay: ₹8,811.50 - ₹29,350.14 per month

**Benefits**:

- Health insurance
- Provident Fund

Schedule:

- Day shift

Supplemental pay types:

- Commission pay
- Performance bonus

**Experience**:

- total work: 1 year (preferred)

Work Location: In person

**Speak with the employer**

+91 8128868598