Officer & Assets Desk

Processing all Gold Loan login cases from branches and supporting Gold Loan customers at branch levelWill 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 levelResponsible 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 ROLEPOSITION DESCRIPTIONJOB TITLE : Officer-Assets Desk GRADE : DM-I DEPARTMENT : Operations LOCATION : Branch SUB-DEPARTMENT : Gold Loan TYPE OF POSITION : Full-time REPORTS TO : BOO REPORTING INTO NA ROLE PURPOSE & OBJECTIVEProcessing all Gold Loan login cases from branches and supporting Gold Loan customers at branch levelWill 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 levelResponsible 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 ROLEFINANCIAL SIZE NON-FINANCIAL SIZE NA NA KEY DUTIES & RESPONSIBILITIES OF THE ROLEBusiness/ FinancialsResponsible 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 new product development to the product teamsShare insights on competitor products to the product team.Responsible for the overall cross sell target assigned to him for other products.CustomerEnsure customers and branch team to be educated about the Gold Loan product offered.Marketing & branding of Gold Loan to be done at branch levelResolve customer queries/grievances at branch level (pertaining to Gold Loan)Internal ProcessOversee 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 & InnovationCoach 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 & SKILLSEducationalQualificationsGraduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered.Experience1-2 years of experience in Gold Loan Industry or within UjjivanCertificationsNAFunctional SkillsKnowledge on Gold Loan and OD productsBasic Computer knowledge (MS Office, Outlook) / Ease of technology usageBasic knowledge of accounting and finance administration desirableIs fluent in the local languages and has a working knowledge of EnglishKnowledge of KYC/AML norms and other guidelinesBehavioral SkillsCross selling skillsWillingness to travel & relocation as per business requirements and career opportunitiesInterpersonal skillsAbility to interface (orally and in writing) with all levels of associates and customersAbility to manage channel partners and other stakeholdersTraining skillsCompetencies RequiredBuilding RelationshipDriving ChangeFacilitate Marketing and brandingCollaborationKEY INTERACTIONSGold Loan Business TeamBranch Operations TeamGold Loan Product TeamState HRCustomersChannel Partners .