Officer - Asset Desk -TN&KL

GRADE

DM-I

DEPARTMENT

Operations

REPORTS TO

ROLE PURPOSE & OBJECTIVE

• Processingall Gold Loan login cases from branches and supporting Gold Loancustomers at branch level
• Willdo cross sell other product to Gold Loan customers.
• Tofacilitate Repayment, Renewal, Closer and Fore closer of GoldLoan along with new loan procession at branch level.
• Responsibleto maintain process quality & ensures adherence to internalaudit standards for Gold Loan.
• Willact as back-up for BOO and CCR at branch and will responsible fortheir job in their absence (For All branch formats: BB-led,MB-Led, URC and SFB).

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/Financials

• Responsiblefor acquisition of Gold Loan customers from both NTB walk-in andETB customers at branch level.
• Engagementof Gold Loan customers and responsible for cross sell of otherproducts.
• Supportthe marketing initiatives designed by products & marketingdepartment for Gold Loan.
• Assessthe market potential/trend and give feedback on productmodification and new product development to the product teams
• Shareinsights on competitor products to the product team.
• Responsiblefor the overall cross sell target assigned to him for otherproducts.

Customer

• Ensurecustomers and branch team to be educated about the Gold Loanproduct offered.
• Marketing& branding of Gold Loan to be done at branch level
• Resolvecustomer queries/grievances at branch level (pertaining to GoldLoan)

InternalProcess

• Overseeand facilitate collection of documents for Gold Loan processing.
• Ensurethe proper handling of Gold ornaments as per policy standards.
• Responsibleto ensure the storage of Gold ornaments in safe vault after loanprocessing.
• Handlethe relationship with Gold Appraisers at branch level for loanprocessing.
• Responsibleto facilitate the Vigilance team at time of sample check.
• Follow-upfor the Loan renewal of Gold Loan through calling.
• Overseefollow-ups with overdue and renewal customers to collect thepayments/renewal payment in Gold Loan.
• Inabsence of CCR, will process all the Service Request and resolvethe quires of all customers at branch level.
• Inabsence of BOO, will act its back-up for all operationalactivity.
• Responsibleto maintain good coordination with Gold Loan Officer forprocessing the all leads of Gold Loan with in suggested TAT.
• Shouldbe compatible with Financial Software application Like LOS,Br.net, Finacle etc.
• Ensuresmooth operations for Gold Loan and Busimoni at branch at cashierand BOO level.
• Monitoringthe leads status, and ensuring timely closer.
• Ensureall operational work of channel partners to be done smoothly atbranch.

Learning& Innovation

• Coachthe branch staff on Gold loans products and support generatingleads for that from existing customers.
• Resolvequeries and escalations from the branch team related to Gold Loanin a well-defined timeframe.
• Ensureadherence to training man-days/ mandatory training programs forself.
• Ensuregoal-setting, midyear -review and annual appraisal processhappens within specified timelines for self.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications

• Graduatein Commerce/Business/Economics or related subjects with goodanalytical and sales skills to be considered.

Experience

• 1-2years of experience in Gold Loan Industry or within Ujjivan

Functional Skills

• Knowledgeon Gold Loan and OD products
• BasicComputer knowledge (MS Office, Outlook) / Ease of technologyusage
• Basicknowledge of accounting and finance administration desirable
• Isfluent in the local languages and has a working knowledge ofEnglish
• Knowledgeof KYC/AML norms and other guidelines

Behavioral Skills

• Crossselling skills
• Willingnessto travel & relocation as per business requirements andcareer opportunities
• Interpersonalskills
• Abilityto interface (orally and in writing) with all levels ofassociates and customers
• Abilityto manage channel partners and other stakeholders
• Trainingskills

Competencies Required

• BuildingRelationship
• DrivingChange
• FacilitateMarketing and branding
• Collaboration

KEY INTERACTIONS

INTERNAL

EXTERNAL

• GoldLoan Business Team
• BranchOperations Team
• GoldLoan Product Team
• StateHR

• Customers
• ChannelPartners