POSITION DESCRIPTION

JOB TITLE : Gold Loan Officer

GRADE : AM-II

DEPARTMENT : Gold Loan

LOCATION : RO

SUB-DEPARTMENT : Gold Loan

TYPE OF POSITION : Full Time

REPORTS TO : Area Head-Gold Loan

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.
Acting as back-up for Assets Desk Officers in their absence
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
Working on OSP increment of assigned portfolio
Meeting Cross Sales target set for the assigned portfolio
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, 0 to 2 years of Experience in any Asset product preferably Gold loan

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

PREPARED BY: Gold Loan Team

DATE: 08-08-2025

REVIEWED BY: Prakhar Pandey

DATE: 09-08-2025

LAST UPDATED BY: TM Team

DATE: 18-11-2025

Gold Loan Officer- KA-TN-KL