Gold Loan Officer

• 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 Professional 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