- 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 recent 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