Officer-Assets Desk

Ujjivan Small Finance Bank Ltd.; Mahisagar; In loco; INR 450.000 - 750.000; Tempo pieno

Descrizione del lavoro

Ujjivan Small Finance Bank Ltd. is seeking an Officer-Assets Desk at branch level. You will process Gold Loan login cases and support customers, while cross-selling other products to Gold Loan clients. Ensure quality and audit adherence in daily operations.

Role includes potential back-up for BOO/CCR and handling multiple branch formats, with emphasis on sales and service within Gold Loan processes.

Competenze

• Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills.
• 1-2 years of experience in Gold Loan Industry or within Ujjivan.

Mansioni

• Processing all Gold Loan login cases from branches and supporting Gold Loan customers at branch level.
• Cross-sell other products to Gold Loan customers.
• Facilitate repayment, renewal, closer and fore-closer of Gold Loan with new loan processing at branch level.
• Maintain process quality and ensure adherence to internal audit standards for Gold Loan.
• Back-up for BOO and CCR at branch; cover their roles in absence across BB-led, MB-Led, URC and SFB formats.

Conoscenze

Cross selling skills

Interpersonal skills

Ability to interface with all levels

Channel partners management

Training skills

Willingness to travel

Collaboration

Building relationships

Driving change

Facilitate marketing & branding

Formazione

Graduate in Commerce/Business/Economics or related subjects

Strumenti

MS Office

Outlook

LOS

Br.net

Finacle

Descrizione del lavoro

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

• 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).

SIZE OF THE ROLE

POSITION DESCRIPTION

• 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).

FINANCIAL SIZE

NON-FINANCIAL SIZE

NA

NA

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.

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

KEY INTERACTIONS

INTERNAL

EXTERNAL

• Gold Loan Business Team
• Branch Operations Team
• Gold Loan Product Team
• State HR
• Customers
• Channel Partners