Gold Loan Officer

3 days ago

Abohar Agra Ajmer, India Ujjivan Small Finance Bank Full time ₹ 5,00,000 - ₹ 10,00,000 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

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