Officer - Asset Desk-TN&KL
2 weeks ago
GRADE
DM-I
DEPARTMENT
Operations
SUB-DEPARTMENT
GoldLoan
REPORTSTO
BOO
ROLE PURPOSE & OBJECTIVE
- Processingall Gold Loan login cases from branches and supporting Gold Loancustomers at branch level
- Willdo cross sell other product to Gold Loan customers.
- Tofacilitate Repayment, Renewal, Closer and Fore closer of GoldLoan along with new loan procession at branch level.
- Responsibleto maintain process quality & ensures adherence to internalaudit standards for Gold Loan.
- Willact as back-up for BOO and CCR at branch and will responsible fortheir job in their absence (For All branch formats: BB-led,MB-Led, URC and SFB).
KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business/Financials
- Responsiblefor acquisition of Gold Loan customers from both NTB walk-in andETB customers at branch level.
- Engagementof Gold Loan customers and responsible for cross sell of otherproducts.
- Supportthe marketing initiatives designed by products & marketingdepartment for Gold Loan.
- Assessthe market potential/trend and give feedback on productmodification and new product development to the product teams
- Shareinsights on competitor products to the product team.
- Responsiblefor the overall cross sell target assigned to him for otherproducts.
Customer
- Ensurecustomers and branch team to be educated about the Gold Loanproduct offered.
- Marketing& branding of Gold Loan to be done at branch level
- Resolvecustomer queries/grievances at branch level (pertaining to GoldLoan)
InternalProcess
- Overseeand facilitate collection of documents for Gold Loan processing.
- Ensurethe proper handling of Gold ornaments as per policy standards.
- Responsibleto ensure the storage of Gold ornaments in safe vault after loanprocessing.
- Handlethe relationship with Gold Appraisers at branch level for loanprocessing.
- Responsibleto facilitate the Vigilance team at time of sample check.
- Follow-upfor the Loan renewal of Gold Loan through calling.
- Overseefollow-ups with overdue and renewal customers to collect thepayments/renewal payment in Gold Loan.
- Inabsence of CCR, will process all the Service Request and resolvethe quires of all customers at branch level.
- Inabsence of BOO, will act its back-up for all operationalactivity.
- Responsibleto maintain good coordination with Gold Loan Officer forprocessing the all leads of Gold Loan with in suggested TAT.
- Shouldbe compatible with Financial Software application Like LOS,, Finacle etc.
- Ensuresmooth operations for Gold Loan and Busimoni at branch at cashierand BOO level.
- Monitoringthe leads status, and ensuring timely closer.
- Ensureall operational work of channel partners to be done smoothly atbranch.
Learning& Innovation
- Coachthe branch staff on Gold loans products and support generatingleads for that from existing customers.
- Resolvequeries and escalations from the branch team related to Gold Loanin a well-defined timeframe.
- Ensureadherence to training man-days/ mandatory training programs forself.
- Ensuregoal-setting, midyear -review and annual appraisal processhappens within specified timelines for self.
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
- Graduatein Commerce/Business/Economics or related subjects with goodanalytical and sales skills to be considered.
Experience
- 1-2years of experience in Gold Loan Industry or within Ujjivan
FunctionalSkills
- Knowledgeon Gold Loan and OD products
- BasicComputer knowledge (MS Office, Outlook) / Ease of technologyusage
- Basicknowledge of accounting and finance administration desirable
- Isfluent in the local languages and has a working knowledge ofEnglish
- Knowledgeof KYC/AML norms and other guidelines
BehavioralSkills
- Crossselling skills
- Willingnessto travel & relocation as per business requirements andcareer opportunities
- Interpersonalskills
- Abilityto interface (orally and in writing) with all levels ofassociates and customers
- Abilityto manage channel partners and other stakeholders
- Trainingskills
CompetenciesRequired
- BuildingRelationship
- DrivingChange
- FacilitateMarketing and branding
- Collaboration
KEY INTERACTIONS
INTERNAL
EXTERNAL
- GoldLoan Business Team
- BranchOperations Team
- GoldLoan Product Team
StateHR
Customers
- ChannelPartners
Location - Vaniyambadi,Thrissur,Salem,Dharapuram,Mysuru,Tiruchirapalli,Gangavati,Dharwad,Chitradurga,Ballari,Maddur,Koppal,Bengaluru,Kumbakonam,Vallur,Bijapur,Dindigul,Thiruvallur,Aruppukkottai,Bhadravati,Arcot,Gundlupet,Krishnagiri,Rajanagaram,Chintamani,Gokak,Madhwapur,Tiruppur,Kumarapalayam,Coimbatore,Rajahmundry,Challakere,Vijayawada,Theni,Chennai,Palacode,Dharmapuri,Mettupalayam,Viluppuram,Ambasamudram,Sira,Chikkaballapura,Thiruvarur,Ambur,Sankarankoil
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