Officer-Assets Desk (Gold Loan)

Ujjivan Small Finance Bank Ltd.; Muzaffarnagar; On-site; INR 300,000 - 520,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking an Officer-Assets Desk at the branch level to manage Gold Loan processing, repayment facilitation, and back-up support for BOO and CCR.

You will handle document collection, storage of Gold ornaments, coordination with Appraisers, and cross-selling while ensuring audit compliance and customer education.

This role requires 1–2 years in Gold Loan and fluency in local languages with English, and a willingness to travel as needed.

Qualifications

• Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered.
• 1–2 years of experience in Gold Loan Industry or within Ujjivan.
• Knowledge on Gold Loan and OD products.
• Basic computer knowledge (MS Office, Outlook) and ease of technology use.
• Fluent in local languages and working knowledge of English; knowledge of KYC/AML norms.

Responsibilities

• Acquire Gold Loan customers from NTB walk-ins and ETB at branch level.
• Engage Gold Loan customers and cross-sell other products.
• Support marketing initiatives for Gold Loan.
• Coordinate with product teams on market trends and product ideas.
• Maintain compliance with KYC/AML and audit standards.
• Coordinate with Gold Loan Officers to process leads and ensure timely closures.

Skills

Gold loan knowledge

Cross selling

MS Office

KYC/AML norms

English and local languages

Interpersonal skills

Partner management

Education

Graduate in Commerce/Business/Economics

Job 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).

SIZE OF THE ROLE

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

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).

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

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

INTERNAL

EXTERNAL

Date:

PREPARED BY:

Date:

REVIEWED BY:

LAST UPDATED BY: TM Team

DATE: 06-02-2024