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