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Ujjivan Financial Services
Area Head - Gold Loan | Multiple locationUjjivan Financial Services • Allahabad / Prayagraj, India
Area Head - Gold Loan | Multiple location

Area Head - Gold Loan | Multiple location

Ujjivan Financial Services • Allahabad / Prayagraj, India
29 days ago
Job description
  • POSITION DESCRIPTION

JOB TITLE : Area Head-Gold Loan

GRADE : AVP-I

DEPARTMENT : Micro Banking

LOCATION : Region

SUB-DEPARTMENT : Gold loan

TYPE OF POSITION : Full-time

REPORTS TO : Regional Business Manager – Gold Loan

REPORTING INTO

Officer - Gold Loan & Officer - Assets Desk

  • ROLE PURPOSE & OBJECTIVE
  • Responsible for business lines of 8-10 branches, ownership of P&L – Asset & Branch Banking of Branches
  • Drive Gold loan in the respective areas. The position is responsible for overall growth, Profit and Loss and success of the business in the area.
  • Responsible for the control and recovery of loans in his/her area, risk assessment and recovery strategies
  • Identification of suitable locations for Ujjivan gold loan business in consultation with Product Team and get the activation done of location.
  • Identifying the Gold Appraisers for branches in near by location for smooth functioning of the Business Flow
  • Goal setting, resource planning for branches/personnel in assigned area.
  • Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective areas.
  • All physical assets requirement for Gold Loan business need to in place as per defined policy.
  • Smooth roll out of Gold Loan business in assigned branches with all required aspects in place.
  • SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

  • Portfolio to be managed up to AUM of Rs. 10 Cr.
  • Maintain relationship with channel partners like: DSA and BC
  • KEY DUTIES & RESPONSIBILITIES OF THE ROLE

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.
  • MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

  • Graduate, any professional qualification will be added advantage.

Experience

  • Minimum 5 years of experience covering secured assets & branch banking/ Micro Banking

Functional Skills

  • 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

Behavioral Skills

  • Training Skills
  • Interpersonal skills – ability to handle various types of mindsets and get desired output for meeting bank's goal
  • Willingness to travel & relocation as per business requirements and career opportunities
  • Managing customer relations
  • KEY INTERACTIONS

INTERNAL

EXTERNAL

  • Product and marketing team
  • Legal & technical team
  • Regional Ops, Credit, collection
  • External marketing agency
  • Audit, Vigilance, Admin & FCU team
  • Channel Partners
  • Branch Banking Team
  • State Govt Agencies/ Panchayats
  • Micro Banking Team
  • Different vendors

Date

PREPARED BY:

Reviewed By

LAST UPDATED BY:

DATE: 01-02-2024
Skills Required
Ms Office, Team Management, Process Compliance, Outlook
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Area Head - Gold Loan | Multiple location • Allahabad / Prayagraj, India

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