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
- 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
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
Balance Scorecard Perspective
Key Result Areas
Key Performance Index
Business
Business Growth
- Total Gold loan disbursed (Plan vs. Actual)
- Leads conversion rate
Bottom-line
Customer
Customer Retention
- % conversion of Renewal eligible customers
Internal Process
Portfolio Health
- % Reduction in PAR (0 – 90 days)
Fraud Control
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
