Officer - Asset Desk-TN&KL

2 weeks ago


Salem Thrissur Vaniyambadi, India Ujjivan Small Finance Bank Full time ₹ 4,00,000 - ₹ 8,00,000 per year

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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