Gold Loan Officer

2 days ago


Abohar Agra Ajmer, India Ujjivan Small Finance Bank Full time ₹ 9,00,000 - ₹ 12,00,000 per year

GRADE

AM-II

DEPARTMENT

Gold Loan

REPORTS TO

Area Head

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.

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

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate or Professional Post graduate in any discipline

Experience (Years and Core Experience Type)

Fresher, 1 years of Experience in any Asset product preferably Gold loan or 1.5 year experience within Ujjivan

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

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


  • Gold Loan Officer

    6 days ago


    Agra, India Utkarsh Small Finance Bank Full time

    Two Gold loan experience required Bank onroll job Muthoot,Manapuram,IIFl or any bank gold loan exp is applicable any NBFC exp is applicable. **Salary**: Up to ₹22,000.00 per month **Benefits**: - Health insurance - Leave encashment - Life insurance Schedule: - Morning shift Supplemental Pay: - Performance bonus - Yearly bonus COVID-19...


  • Agra, Kashipur, Meerut, India Capri Global Capital (CGCL) Full time ₹ 1,20,000 - ₹ 1,80,000 per year

    We are Hiring for Gold loan Across UttarPradesh/Uttarakhand.Assistant Branch Manager / Gold Valuer - Prior Gold valuation.experience of at-least 3 Year is a must.Attending to walk-in customers, addressing queries about the gold loan process and schemes offered.Conducting gold valuations and identifying gold purity accurately.Properly packing and storing gold...


  • Agra, Meerut, Najibabad, India Capri Global Capital (CGCL) Full time ₹ 1,04,000 - ₹ 1,30,878 per year

    We are Hiring for Gold loans Seize the Opportunity for a fast track career growth. Apply for the below open positions & become a part of our Dynamic Team.Branch Manager- Must have 5 years of experience in Banking & 3 years Experience in Gold loans.Key Responsibilities -Responsible for business growth, new customer acquisition, customer service, overall...

  • Loan Officer

    2 weeks ago


    Sanjay Place, Agra, Uttar Pradesh, India Ujjivan Small Finance Bank Full time

    **Loan Officer-Housing Loans - Sanjay Place Agra**: North 2245-Sanjay Place Agra, Agra, Uttar Pradesh, India - Department- NORTH BUSINESS- Job posted on- Sep 13, 2024- Employee Type- Permanent- Experience range (Years)- 2 years - 4 years**Group Company**: Ujjivan Small Finance Bank **Designation**: Loan Officer-Housing Loans (UB-HSG-EB-LOH), Loan...

  • Sales Officer-loan

    2 weeks ago


    Agra, Uttar Pradesh, India Value Hunt Full time

    **Job Title**: Sales Officer-Loan Against Property **Location**: Agra, Uttar Pradesh **Industry**: NBFC **Education Qualification**: Graduation **Experience**: Minimum 1 year experience in Home loan sales/LAP **Salary**: Up to ₹3.5 LPA **Key Responsibilities**: - Build and maintain strong relationships with clients to understand their LAP needs. -...

  • Territory Manager

    6 days ago


    Agra, Ghaziabad, Noida, India HDB Financial Services Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    Role :-• Undertake competition mapping and update central product team on competition product propositions • Plan and execution of promotional BTL activity in branch catchment area to create visibility. Monitor and review lead conversion from each activity. • Recruitment of Sales Managers and Sales Officers. Ensure productivity of Sales Managers and...

  • Collection Officer

    2 weeks ago


    Ajmer, India Green Start Jobs Full time

    Please find the detailed job description below: **Collections Officer - Home Loans (Ajmer)** The Collection Officer - Home Loans is responsible for managing and resolving delinquent home loan accounts. This role involves contacting borrowers to discuss payment options, negotiating repayment plans, and ensuring compliance with company policies and legal...

  • Branch Sales Manager

    6 hours ago


    Ajmer, Rajasthan, India Muthoot Fincorp Limited Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    BRANCH SALES MANAGER Company Name – Muthoot Fincorp Limited Job Title – Branch Sales Manager, Secured & Unsecured Business Loans Grade – C4 Location – PAN India Reports to – Business Manager, Secured & Unsecured Business Loans Span Of Control – NA Job Purpose The purpose of the role is to deliver and execute customer...

  • Tele Sales Officer

    1 week ago


    Agra, India ADHIKOSH FINANCIAL ADVISORY PRIVATE LIMITED Full time

    **Your daily responsibilities will include**: - Manage Microfinance group loans. - Educate customers on loan terms and ensure clear communication,etc. - Maintain records of all sales leads and/or customer accounts manage team records.. **Salary**: ₹20,000.00 - ₹25,000.00 per month Schedule: - Day shift Supplemental pay types: - Performance bonus

  • Job Title

    5 days ago


    Ajmer, Rajasthan, India Baid Finserv Limited Full time ₹ 6,00,000 - ₹ 8,00,000 per year

    Company DescriptionBaid Finserv Ltd. (Formerly known as Baid Leasing & Finance Co. Ltd.) is a Non Banking Finance Company established in 1991, based in Jaipur. Registered with the Reserve Bank of India, we offer a wide range of financial services including Commercial Vehicle Loans, Car Loans, Tractor Loans, MSME Loans, Loans Against Property, and Insurance...