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