JR 1 Managing the newly acquired customers and recovering the interest on the loans and ensuring zero non- performing assets.
Cross sell liability products to the jewel loan borrowers.
Wherever a coex is provided, manage and monitor his performance Wok towards Enhancing customer wallet size by way of: Ensuring that customers make us their primary bank Knowing about where all the customer is currently banking and moving him to our Bank JR 2 Adhere to Basis Branch Sales Process, profile the customer, in consultation with Branch Manager, to understand customers business requirements & to identify cross-sell opportunities Process all the transaction within the TAT prescribed in the process manual.
Ensure to obtain appropriate loan documents Ensure to seal the keep the jewel in joint custody once received for pledge.
Check the jewels using the Kasoti and Nitric acid in identifying genuineness of Jewels.
Should process loan documents of all other asset products in addition to Jewel Loans.
Should process Account opening forms, scan the loan documents, pass through KYC utility etc.
, JR 3 To ensure STP of loans as per the process manual and to ensure reversal of all the items in dummy
Accounts on daily basis.
To work very closely with the Branch Authorisor in ensuring credit delivery.
To be in constant touch with Retail Asset Coordinator ( RAC ) officer of Jewel Loans JR 4 To Assist Retail Risk Officers in smooth conduct of Touch and Feel activity in the identified accounts.
To recover forthwith the amounts of problem exposure to the bank To work very closely with collection officers in ensuring full recovery of the loan amount.
To have thorough JR 5 Ensure that branch coex, other sales resources are in the branch are appraised about the product and the leads generated by them are converted To conduct marketing activities such as distribution of pamphlets, Display of imitation jewellery box, wall painting on the product, display of product offering in movie theatres, scrolling of the product in local cable TV channels and such other marketing activities that will be prescribed by the product teams from time to time.
Knowledge of banking products
Identify genuine borrowers
Identify genuine Gold jewellery/ Gold bars
Knowledge of competition
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