REPORTS TO : Regional Business Manager – Gold Loan
REPORTING INTO
Officer - Gold Loan & Officer - Assets Desk
- ROLE PURPOSE & OBJECTIVE
- Responsible for business lines of 8-10 branches, ownership of P&L; – Asset & Branch Banking of Branches
- Drive Gold loan in the respective areas. The position is responsible for overall growth, Profit and Loss and success of the business in the area.
- Responsible for the control and recovery of loans in his/her area, risk assessment and recovery strategies
- Identification of suitable locations for Ujjivan gold loan business in consultation with Product Team and get the activation done of location.
- Identifying the Gold Appraisers for branches in near by location for smooth functioning of the Business Flow
- Goal setting, resource planning for branches/personnel in assigned area.
- Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective areas.
- All physical assets requirement for Gold Loan business need to in place as per defined policy.
- Smooth roll out of Gold Loan business in assigned branches with all required aspects in place.
- SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
- Portfolio to be managed up to AUM of Rs. 10 Cr.
- Maintain relationship with channel partners like: DSA and BC
- KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business
- Managing Gold loan and portfolio for assigned branches.
- Increasing product penetration in existing customers of the bank.
- Maximization in NTB customers through GLO leads and other partner channels
- Ensure appraiser identification and management for hassle free processing of Gold Loan.
- Monitor, improve and repair productivity benchmarks for staff, TAT and process
- Staffs must achieve decided productivity standard of Go
📌 Area Head (Dehradun)
🏢 Ujjivan Financial Services
📍 Dehradun
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