Officer-Assets Desk (Gold Loan)

1. 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

1. 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).

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

NA

NA

1. 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.

1. 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

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Gold Loan Business Team

• Branch Operations Team

• Gold Loan Product Team

• State HR

• Customers

• Channel Partners

PREPARED BY:

DATE:

REVIEWED BY:

DATE:

LAST UPDATED BY: TM Team

DATE: 06-02-2024