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Gold Loan Officer
JOB_REQUIREMENTS
Hires in
Not specified
Employment Type
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Company Location
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Salary
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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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