Officer-Asset desk- KA-TN-KL

Ujjivan Small Finance Bank; Bengaluru; On-site; INR 300,000 - 450,000; Full time

Benefits offered by this job

Job summary

Ujjivan Small Finance Bank Ltd. is hiring for a Gold Loan officer at branch level to handle processing, customer acquisition and cross-selling alongside ensuring compliance and support for the Gold Loan portfolio.

The role involves coordination with appraisers, marketing teams and branch staff to drive timely closures and renewals. The incumbent will manage queries, maintain document flow and ensure adherence to KYC/AML norms, with a focus on quality and service delivery in a fast-paced banking

Qualifications

• 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.
• Fluent in local languages with working knowledge of English.
• Knowledge of KYC/AML norms and other guidelines.

Responsibilities

• Responsible for acquisition of Gold Loan customers from 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 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.
• Resolve customer queries/grievances at branch level pertaining to Gold Loan.
• Oversee and facilitate collection of documents for Gold Loan processing.
• Ensure proper handling of Gold ornaments as per policy standards.
• Handle the relationship with Gold Appraisers at branch level for loan processing.
• Follow-up for the Loan renewal of Gold Loan through calling.
• Oversee follow-ups with overdue and renewal customers to collect payments.
• In absence of CCR, process all Service Requests and resolve queries of all customers at branch level.
• In absence of BOO, act as back-up for all operational activity.
• Maintain coordination with Gold Loan Officer for processing all leads within suggested TAT.
• Compatible with Financial Software such as LOS, Br.net, Finacle.
• Ensure smooth operations for Gold Loan and Busimoni at branch cashier and BOO level.
• Monitor leads status and ensure timely closures.
• Coach branch staff on Gold loan products and support generating leads from existing customers.
• Resolve queries and escalations from branch team related to Gold Loan in a defined timeframe.
• Ensure training man-days/mandatory training programs for self and others.
• Ensure goal-setting, midyear review and annual appraisal processes happen within timelines.

Skills

Cross-selling

Interpersonal skills

Willingness to travel

English knowledge

Local language fluency

Tools

MS Office

Outlook

LOS

Br.net

Finacle

Job description

Processingall Gold Loan login cases from branches and supporting Gold Loancustomers at branch level

Willdo cross sell other product to Gold Loan customers.

Tofacilitate Repayment, Renewal, Closer and Fore closer of GoldLoan along with new loan procession at branch level.

Responsibleto maintain process quality & ensures adherence to internalaudit standards for Gold Loan.

Willact as back-up for BOO and CCR at branch and will responsible fortheir job in their absence (For All branch formats: BB-led,MB-Led, URC and SFB).

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

NA

NA

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Responsiblefor acquisition of Gold Loan customers from both NTB walk-in andETB customers at branch level.

Engagementof Gold Loan customers and responsible for cross sell of otherproducts.

Supportthe marketing initiatives designed by products & marketingdepartment for Gold Loan.

Assessthe market potential/trend and give feedback on productmodification and new product development to the product teams

Shareinsights on competitor products to the product team.

Responsiblefor the overall cross sell target assigned to him for otherproducts.

Customer

Ensurecustomers and branch team to be educated about the Gold Loanproduct offered.

Marketing& branding of Gold Loan to be done at branch level

Resolvecustomer queries/grievances at branch level (pertaining to GoldLoan)

InternalProcess

Overseeand facilitate collection of documents for Gold Loan processing.

Ensurethe proper handling of Gold ornaments as per policy standards.

Responsibleto ensure the storage of Gold ornaments in safe vault after loanprocessing.

Handlethe relationship with Gold Appraisers at branch level for loanprocessing.

Responsibleto facilitate the Vigilance team at time of sample check.

Follow-upfor the Loan renewal of Gold Loan through calling.

Overseefollow-ups with overdue and renewal customers to collect thepayments/renewal payment in Gold Loan.

Inabsence of CCR, will process all the Service Request and resolvethe quires of all customers at branch level.

Inabsence of BOO, will act its back-up for all operationalactivity.

Responsibleto maintain good coordination with Gold Loan Officer forprocessing the all leads of Gold Loan with in suggested TAT.

Shouldbe compatible with Financial Software application Like LOS,Br.net, Finacle etc.

Ensuresmooth operations for Gold Loan and Busimoni at branch at cashierand BOO level.

Monitoringthe leads status, and ensuring timely closer.

Ensureall operational work of channel partners to be done smoothly atbranch.

Coachthe branch staff on Gold loans products and support generatingleads for that from existing customers.

Resolvequeries and escalations from the branch team related to Gold Loanin a well-defined timeframe.

Ensureadherence to training man-days/ mandatory training programs forself.

Ensuregoal-setting, midyear -review and annual appraisal processhappens within specified timelines for self.

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Experience

Certifications

FunctionalSkills

Knowledgeon Gold Loan and OD products

BasicComputer knowledge (MS Office, Outlook) / Ease of technologyusage

Basicknowledge of accounting and finance administration desirable

Isfluent in the local languages and has a working knowledge ofEnglish

Knowledgeof KYC/AML norms and other guidelines

BehavioralSkills

Crossselling skills

Willingnessto travel & relocation as per business requirements andcareer opportunities

Interpersonalskills

Abilityto interface (orally and in writing) with all levels ofassociates and customers

Abilityto manage channel partners and other stakeholders