Area Manager Gold Loan

Job Description

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 Gold Loan Business in all branches. Achievement of business targets in terms of loan book growth with weighted IRR. Ensure all credit (collections) parameters are achieved as set by the management. Organizing brand building, CSR and marketing activities for Gold Loan promotion. Ensure/ crosscheck the better services as per bank standards by partner channels to Gold Loan customers. Customer Ensure customers are educated about all Gold Loan schemes/services offered by Ujjivan. Ensure lower customer attrition by providing different Gold Loan Schemes as per customer requirement. Ensure maximum renewal of Gold Loan as per set benchmarks. Internal process Ensure compliance with lending guidelines, quality framework and audit requirements. Speedy resolution of any audit/ vigilance observations and take necessary steps to prevent recurrence audit and other regulations. Ensure appraisers must adhere the appraising standard as decided by bank. And timely rotation of Appraisers must be done. Monitor health of portfolio in the area under Management. Approve deviations and exceptions according to policy in place. Provide market feedback to product team to revise the product offerings. Service Quality Ensure all the TAT parameters are adhered. Ensure all the queries and complains raised by the customers in the assigned area are addressed in appropriate and timely manner. Focus on FTR (first time right) in all the services offered e.g. account opening, loan disbursement and service requests. Channel partners must adhere the standard service norms of bank. Learning & Performance Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch. Periodically evaluate the staff competences in various parameters set under goal setting and give feedback to concerned staff and supervisors Ensure adherence to training man-days/ mandatory training programs for self and reportees. Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees. Maintain critical staffing levels at all times through timely recruitment& training in conjunction with the HR team. Rich knowledge of markets, marketing activities and products Process & Compliance Orientation: Knowledgeable on KYC norms/guidelines for liabilities & unsecured loans Team management Ability to speak and read regional language(s)- is desirable Good knowledge of commonly used software like MS Office, outlook