JOB 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 & OBJECTIVE
Processing all Gold Loan login cases from branches and supporting Gold Loan customers at branch level
Will 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 level.
Responsible 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 ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
NA
NA
Business/ Financials
Responsible 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 teams
Share insights on competitor products to the product team.
Responsible for the overall cross sell target assigned to him for other products.
Customer
Ensure customers and branch team to be educated about the Gold Loan product offered.
Marketing & branding of Gold Loan to be done at branch level
Resolve customer queries/grievances at branch level (pertaining to Gold Loan)
Internal Process
Oversee 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 & Innovation
Coach 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 & SKILLS
Educational
Qualifications
Experience
Certifications
Functional Skills
Knowledge on Gold Loan and OD products
Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage
Basic knowledge of accounting and finance administration desirable
Is fluent in the local languages and has a working knowledge of English
Knowledge of KYC/AML norms and other guidelines
Behavioral Skills
Cross selling skills
Willingness to travel & relocation as per business requirements and career opportunities
Interpersonal skills
Ability to interface (orally and in writing) with all levels of associates and customers
Ability to manage channel partners and other stakeholders
Training skills
Competencies Required
Building Relationship
Driving Change
Facilitate Marketing and branding
Collaboration
KEY INTERACTIONS
INTERNAL
EXTERNAL
Gold Loan Business Team
Branch Operations Team
Gold Loan Product Team
State HR
Customers
Channel Partners
PREPARED BY:
DATE:
REVIEWED BY:
DATE:
LAST UPDATED BY: TM Team
DATE: 06-02-2024