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Gold Loan Officer- KA-TN-KL

Multiple locations


Department
SOUTH BUSINESS
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
0 - 2 years

  • SITION DESCRIPTION

JOB TITLE

Gold Loan Officer

GRADE

AM-II

DEPARTMENT

Gold Loan

LOCATION

RO

SUB-DEPARTMENT

TYPE OF POSITION

Full Time

REPORTS TO

Area Head

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.


  • 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
  • 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, 1 years of Experience in any Asset product preferably Gold loan or 1.5 year experience within Ujjivan

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

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