Officer

Officer-Asset desk- KA-TN-KL

Multiple locations

• POSITION DESCRIPTION

• 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).
  

• SIZE OF THE ROLE
  
  

• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
  
  

• 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.

• 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)
  
  

• 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.
  
  

• 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
  
  

• 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
  
  

• NA
  
  

• 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
  
  

• 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
  

• 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