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).
SIZE OF THE ROLE

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

INTERNAL

EXTERNAL

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

Date:

PREPARED BY:

Date:

REVIEWED BY:

LAST UPDATED BY: TM Team

DATE: 06-02-2024

Officer-Assets Desk (Gold Loan)