Gold Loan Officer- KA-TN-KL

Job description

- POSITION DESCRIPTION JOB TITLE : Gold Loan Officer GRADE : AM-II DEPARTMENT : Gold Loan LOCATION : RO SUB-DEPARTMENT : Gold Loan TYPE OF POSITION : Full Time REPORTS TO : Area Head-Gold Loan REPORTING INTO NA - 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. - Acting as back-up for Assets Desk Officers in their absence - SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE NA NA - 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 - Working on OSP increment of assigned portfolio - Meeting Cross Sales target set for the assigned portfolio - 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, 0 to 2 years of Experience in any Asset product preferably Gold loan Certifications - NA 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 - 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 - KEY INTERACTIONS INTERNAL EXTERNAL ADO-Gold Loan, BOO-SFB, CCR-URC Appraiser Cashier Competitors in Gold Loan CCR Other Channel Partners Regional Product, Credit, Operations, Collections, Audit and Vigilance CRO, LO, SO, RO PREPARED BY: Gold Loan Team DATE: 08-08-2025 REVIEWED BY: Prakhar Pandey DATE: 09-08-2025 LAST UPDATED BY: TM Team DATE: 18-11-2025