Officer-Assets Desk (Gold Loan)

Job description

• POSITION DESCRIPTION JOB TITLE : Officer-Assets Desk GRADE : DM-I DEPARTMENT : Operations LOCATION : Branch SUB-DEPARTMENT : Gold Loan TYPE OF POSITION : Full-time REPORTS TO : BOO REPORTING INTO NA • ROLE PURPOSE & OBJECTIVE • Processing all Gold Loan login cases from branches and supporting Gold Loan customers at branch level • Will do cross sell other product to Gold Loan customers. • To facilitate Repayment, Renewal, Closer and Fore closer of Gold Loan along with new loan procession at branch level. • Responsible to maintain process quality & ensures adherence to internal audit standards for Gold Loan. • Will act as back-up for BOO and CCR at branch and will responsible for their job in their absence (For All branch formats: BB-led, MB-Led, URC and SFB). • SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE NA NA • KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials • Responsible for acquisition of Gold Loan customers from both NTB walk-in and ETB customers at branch level. • Engagement of Gold Loan customers and responsible for cross sell of other products. • Support the marketing initiatives designed by products & marketing department for Gold Loan. • Assess the market potential/trend and give feedback on product modification and new product development to the product teams • Share insights on competitor products to the product team. • Responsible for the overall cross sell target assigned to him for other products. Customer • Ensure customers and branch team to be educated about the Gold Loan product offered. • Marketing & branding of Gold Loan to be done at branch level • Resolve customer queries/grievances at branch level (pertaining to Gold Loan) Internal Process • Oversee and facilitate collection of documents for Gold Loan processing. • Ensure the proper handling of Gold ornaments as per policy standards. • Responsible to ensure the storage of Gold ornaments in safe vault after loan processing. • Handle the relationship with Gold Appraisers at branch level for loan processing. • Responsible to facilitate the Vigilance team at time of sample check. • Follow-up for the Loan renewal of Gold Loan through calling. • Oversee follow-ups with overdue and renewal customers to collect the payments/renewal payment in Gold Loan. • In absence of CCR, will process all the Service Request and resolve the quires of all customers at branch level. • In absence of BOO, will act its back-up for all operational activity. • Responsible to maintain good coordination with Gold Loan Officer for processing the all leads of Gold Loan with in suggested TAT. • Should be compatible with Financial Software application Like LOS, Br.net, Finacle etc. • Ensure smooth operations for Gold Loan and Busimoni at branch at cashier and BOO level. • Monitoring the leads status, and ensuring timely closer. • Ensure all operational work of channel partners to be done smoothly at branch. Learning & Innovation • Coach the branch staff on Gold loans products and support generating leads for that from existing customers. • Resolve queries and escalations from the branch team related to Gold Loan in a well-defined timeframe. • Ensure adherence to training man-days/ mandatory training programs for self. • Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self. • MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications • Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered. Experience • 1-2 years of experience in Gold Loan Industry or within Ujjivan Certifications • NA Functional Skills • Knowledge on Gold Loan and OD products • Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage • Basic knowledge of accounting and finance administration desirable • Is fluent in the local languages and has a working knowledge of English • Knowledge of KYC/AML norms and other guidelines Behavioral Skills • Cross selling skills • Willingness to travel & relocation as per business requirements and career opportunities • Interpersonal skills • Ability to interface (orally and in writing) with all levels of associates and customers • Ability to manage channel partners and other stakeholders • Training skills Competencies Required • Building Relationship • Driving Change • Facilitate Marketing and branding • Collaboration • KEY INTERACTIONS INTERNAL EXTERNAL • Gold Loan Business Team • Branch Operations Team • Gold Loan Product Team • State HR • Customers • Channel Partners Date: PREPARED BY: Date: REVIEWED BY: LAST UPDATED BY: TM Team DATE: 06-02-2024