• 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 (Mehsana)
🏢 Ujjivan Small Finance Bank
📍 Mehsana