3 - 7 years
Any Graduate
Gold loan
5 lkh ~ 6 lkh

Job Name – PA (Business Unit) : RBB – Personal Banker Gold Loan

Job Title : RBB-Personal Banker Gold Loan (PBGL)



Business Unit (PA) : RBB



Team : Retail Branch Banking



Reports to (job) : PBA / BOM / Branch Manager (As applicable)



Location of role : Pan India



Job Fn : Sales & Operations



Role Type: Individual Contributor


No of direct reportees: Nil


Travel Required: Moderate



Job Band Range :


JD Created date: 10.12.2021


JD Updated date : 10.12.2021



JD approved by (business) :


Version No: 1



Job Purpose


Gold Loan Business / Operations Management :

Role assumes complete ownership of Branch’s Gold Loan business and is also responsible for Operational / Hygiene parameters of Gold Loan thereby leading to overall Gold Loan Portfolio growth in totality. PBGL will Liaison with central teams associated with GL vertical viz , Product , CIC (Risk) , Operations and other vertical/ roles like Local BOTC , Cluster Operations Manager etc.


Portfolio Management

PBGL Is equally responsible for portfolio management by acquisition of new portfolio customers and enhancement of the relationship by cross-selling products and services as per the profile & need of the customers. Acquiring family accounts and deepening the size of the relationship and retention of the customers by providing the best possible services and being the dedicated point of contact for these customers. Ultimately should lead to we becoming the primary banker for these Classic relationships and maximize the share of wallet of these customers.



Job Responsibilities(JR)


Actionable



Gold Loan Business


Ensure Breakeven of the Branch is Gold Loan business within specified month (if newly launched GL desk)

Calling on High propensity Gold Loan databases / references / Walk-in leads etc.

Assist in planning / organizing marketing / promotional activity within the branch to create visibility and boost GL sales

GL Closure customers to avoid closing Gold Loan Exposure


Achievement of income plans and other benchmarks within portfolio


Ensure that income plans for the month and year are duly met across products
Achieving of portfolio level benchmarks of and IPH
Income product to be sold to each group of the portfolio in the year
Ensure that the benchmark sales per month is met
Usage of net banking / Mobile banking , Bill pay , RDFD penetration benchmark to be met
CEP to be met as per cycle


Managing Portfolio sales / Hygiene


Ensure quality new acquisition on SA and CA for Resident/Non-Resident
Structured bundled offering of Products and Services to the customer within the defined timeline
Penetration of Saving Accounts on non-liability customers
Utilizing the sales resources (BDR/COEX) for optimal sales support
Penetration of FD to unique customers
Using Data-mine for cross-selling
Sales of various Credit Cards
Sales of Third Party Products to the customers
Sales of Asset Products
Disseminating product information
Activation: To ensure that all accounts savings and current account (non-ABM branches) opened in the month are activated as per product
Calling on Large Value Attrition:
Enhancing customer wallet size
Attrition control of customers
Manage the benchmark no. of customers in the portfolio
Extend Classic benefits to customers basis identification in eligibility lists/ LTR
Ensure that individual customers are grouped and Customer To Group (CTG) Ratio is maintained on the portfolio
By grouping them with their family members who already hold accounts with us
By grouping them with their family members post selling liability products to the family members, if they do not have banking relationship with us
Ensure that optimal levels of Income generating Product Group Holding (IPH) is reached
Ensure that within each customer group a minimum number of stipulated Income Generating products are sold
Ensure that the Customer Group profitability is achieved
Manage Band 1 and 2 customers and ensure that they are moved to Band 3 and above
Enhance Values within each of the customer groups
Online updation of CRMNext at every stage of customer contact on the portfolio
Proactively raising the eligible customers to the classic portfolio within the prescribed product program
Ensure that all classic customers within the portfolio are contacted
Usage of APT and data in CRM for effective call planning and review with BH / PBA(Pre call planning and post call review )
Detailed updation of interaction to be captured in CRM , Tasks/ leads to be created , profiler to be updated on same day of interaction


Gold Loan & Other Operations


Gold Loan Operations:


Managing Gold Loan operations in the Branch of every customer approaching the Branch for availing new gold Loan , renewal of existing gold Loan , Gold Loan Closure (complete / Partial)
Ensure GL processing happened within specified TAT
Ensure zero FTNR is maintained in processing Gold Loan cases / Transactions
Sealing articles , Vaulting , filing required while processing Gold Loan
Mandatory central reporting / updating of GL
Handling day to day queries / inquiries on Gold Loan
Responsible for complete audit parameters associated with Gold Loan during Branch / RBI Audit
Ensure smooth functioning of Gold Loan Desk of the branch
Ensure all regulatory / compliance norms set by the regulator / Bank are followed
Track business productivity and sales efforts of Gold Loan SO
Report Staff wise Gold Loan Business performance to Branch Manager and handle Exception management.
Jointly review GL business with GL -ASM and BM
Liaison with Hub & Spoke Branches (if any) and all associate central GL team

Other Operations :


Ensure certification of documentation required for opening and maintaining customer accounts
Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc.)

Submission of daily e-schedule indicating the third party sales done
Updation of CRM for the asset leads generated
Updation of weed-out database on the portal
Ensure KYC norms are adhered to at all points of time
Opening of accounts under smart account mode


Educational Qualifications


Key Skills



Graduation:
Post-Graduation:
Certifications:

NISM V-A Certification
IRDA Certification
NCFM Certification (Optional)
CAIIB (Optional)
Internal Certification
GI certification

Sales and Influencing Skills
Banking Product & Process Knowledge
NRI Product and Regulatory Knowledge
Planning and Organizing Skills
Communication
Knowledge of Competition & Current trends in financial Industry.


Experience Required


Minimum experience in years – 1 yr
Exposure to banking preferable


Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)


Customers
Branch Banking Team
Operations
Insurance CAM
MF Fund houses personnel
HSL personnel
BOTC
GL product
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