gold loan officer

Ujjivan Small Finance Bank Ltd.; Ahmedabad District; On-site; INR 250,000 - 350,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in RO location is seeking a Gold Loan Officer to drive growth in gold loan products, explain terms to customers and collect documents.

The role involves coordinating with branch teams, achieving targets, handling field inquiries, and ensuring compliant processes. Fresh graduates are welcome; prior experience in asset products is preferred but not required.

Strong communication in English and regional language, good computer skills, and customer focus are essential.

Qualifications

• Graduate or professional postgraduate in any discipline.
• Fresher with 0–2 years in asset products, preferably Gold loan.
• Gold loan product knowledge and customer relations.
• Fluent in English and regional language(s); clear verbal communication.

Responsibilities

• Daily/weekly/monthly targets for gold loan disbursement and value.
• Pitch products to customers and collect required documents.
• Coordinate with branch teams and external partners.
• Resolve field-level customer queries and manage collections (0–90 DPD).
• Act as backup for Assets Desk Officers when needed.
• Ensure compliance with lending guidelines and quality standards.

Education

Graduate or Postgraduate

Fresher, 0 to 2 years in asset product (Gold loan)

Job description

Job 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

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
• SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

NA

NA

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

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

• 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

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

Requirements: