Officer-Assets Desk

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