gold loan officer

Ujjivan Small Finance Bank Ltd.

Kheda

On-site

INR 320,000 - 420,000

Full time

7 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Gold Loan Officer to drive growth in the Gold Loan portfolio. The role involves promoting gold loan products, guiding customers through the process, and ensuring timely documentation and approvals.

The candidate will coordinate with branch teams, DSAs, BCs, and other channel partners, while meeting monthly targets and maintaining quality service at the field level.

Qualifications

Graduate or Professional Post graduate in any discipline.
0–2 years of Experience in any Asset product preferably Gold loan.
Ability to plan and coordinate; manage customer relations.
Gold Loan Product knowledge and basic tech literacy.

Responsibilities

Achieve and exceed targets for number and value of gold loans.
Pitch product and explain details to customers; collect documents.
Coordinate with branch team and external partners (DSAs, BCs).
Resolve field level customer queries and manage collections.
Act as back-up for Assets Desk Officers in their absence.

Skills

Plan & coordinate

Customer relations

Gold loan knowledge

Regional language & English

Education

Graduate or Postgraduate

Job description

Job Description:

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

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

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)