Gold Loan Officer

1. 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

1. 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 

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

NA

NA

1. 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

1. 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

1. 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

1. 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