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 Qualified 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 (Anand)
🏢 Ujjivan Small Finance Bank
📍 Anand