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Jobs in abohar
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Ujjivan Small Finance Bank
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Gold Loan Officer

Gold Loan Officer

Ujjivan Small Finance Bank

1 - 6 years

2 - 5 Lacs

abohar agra ajmer

Posted:12 hours ago| Platform:

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Skills Required

gold gold loan lead generation appraisal asset customer service cash handling auditing accounting cashier activities sales branch management marketing branch operations gold valuation gold loan operations customer handling finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

ROLEPURPOSE & OBJECTIVE

Achieveand Exceed targets set for Number and Value of Gold Loans
Primarycontact for gold loan customers- pitching product to them,explain all details about product, collect required documents.
Coordinatewith Branch team ADO, BM, CRM, CCR, CROs, LOs andexternal members - BCs, DSAs leads etc.
Resolveall field level queries of customer related to Gold Loan andmanage regular collections.

KEYDUTIES & 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
Call/visit eligible customers, pitch them about product and collectleads
DoOut bound promotional activities for Gold Loan lead generation
Coordinationwith feet on streets, DSAs and BC points
Ensureproper collection of 0 90 DPD cases in the branch

Customer

Ensurecustomers are educated about Gold Loan schemes/services offeredby Ujjivan.
Keyfocus on Out bond activities and generating leads from NTB andETB customer pool
EnsureCustomer queries are dealt with promptly and accurately at fieldlevel
Ensuresmooth and prompt service from other partner channels tocustomers

Internalprocess

Ensurecompliance with lending guidelines, quality framework and auditrequirements;
Ensurethat defaulting areas or negative area for gold loan need to beidentified based on field observations
Giveconstructive feedback on on-field and competitor activities
Ensureall the necessary things like: availability of appraisers, loanrelated admin requirements etc. are in place

Learning& Performance

Tobe up to date on all relevant circulars and all products/servicesoffered in the Branch
Ensureadherence to training man-days/ mandatory training programs forself and team
Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduateor Professional Post graduate in any discipline

Experience(Years and Core Experience Type)

Fresher,1 years of Experience in any Asset product preferably Gold loan or1.5 year experience within Ujjivan

FunctionalSkills

Abilityto plan and coordinate
Managingcustomer relations
GoldLoan Product Knowledge

BehavioralSkills

GoldLoan Product knowledge
Abilityto speak and read regional language(s) and English
Hasgood verbal fluency and uses simple, clear and purposefullanguage.
GoodComputer knowledge.
Performanceoriented

PerformanceMatrices

BalanceScorecard Perspective

KeyResult Areas

KeyPerformance Index

Business

BusinessGrowth

TotalGold loan disbursed (Plan vs. Actual)
Leadsconversion rate

Bottom-line

CrossSell Numbers

Customer

CustomerRetention

%conversion of Renewal eligible customers

InternalProcess

PortfolioHealth

%Reduction in PAR (0 90 days)

FraudControl

No.of frauds in gold

Learning& Development

Performancemanagement

Adherenceto timelines for completion of PMS for self

Training

No.of Training Man days attended

KEYINTERACTIONS

INTERNAL

EXTERNAL

ADO-GoldLoan, BOO-SFB, CCR-URC

Appraiser

Cashier

Competitorsin Gold Loan

CCR

OtherChannel Partners

RegionalProduct, Credit, Operations, Collections, Audit and Vigilance

CRO,LO, SO, RO

Location - Abohar , Agra , Ajmer , Aligarh , Alwar , Ambala , Amritsar , Ballia , Bareilly , Basti , Beawar , Bharatpur , Bathinda , Bhilwara , Bhiwani , Bhopal , Bundi , Chandigarh , Dehradun , Deoria , Durg , Ellenabad , Faridabad , Fatehabad , Firozpur , Firozabad , Ganganagar , Gwalior , Hanumangarh , Hapur , Hisar , Indore , Jabalpur , Jaipur , Jalandhar , Jaunpur , Jhajjar , Jind , Jodhpur , Kaithal , Kanpur , Karnal , Khurja , Kidwai , Kishangarh , Kota , Lucknow , Ludhiana , Madhwapur , Malout , Mandasa , Mathura , Meerut , Mohali , Moradabad , Muktsar , Muzaffarnagar , Nagar , New Delhi , Palin , Panipat , Patiala , Pithampur , Raebareli , Rajnandgaon , Rampur , Rohtak , Saharanpur , Sangrur , Sawali , Shikohabad , Sirsa , Sonipat , Tonk , Udaipur , Varanasi , Yamuna

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Ujjivan Small Finance Bank

Banking and Financial Services

Bengaluru

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Gold Loan Officer