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Job Name – PA (Business Unit) : RBB – Personal Interna Banker Gold Loan
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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 : E2 – E3 JD Created date: 10.12.2021 JD Updated date : 10.12.2021
JD approved by (business) : Mr. Arvind Vohra (A27550) 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

 Ensure Breakeven of the Branch is Gold Loan busi-

ness 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 / promo-

Gold Loan Business tional activity within the branch to create visibility
and boost GL sales

 GL Closure customers to avoid closing Gold Loan

Exposure

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Interna
 Classifi
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Interna  Ensure that income plans for the month and
l year are duly met across products
 Achieving of portfolio level benchmarks of and IPH
Achievement of income plans and  Income product to be sold to each group of the
other benchmarks within portfolio 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

 Ensure quality new acquisition on SA and CA for

Managing Portfolio sales / Hygiene
Resident/Non-Resident
 Structured bundled offering of Products and Ser-
vices to the customer within the defined timeline
 Penetration of Saving Accounts on non-liability cus-
tomers
 Utilizing the sales resources (BDR/COEX) for opti-
mal 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 identifi-
cation 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 mini-
mum 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

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Interna
 Classifi
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Interna groups
l  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 pro-
gram
 Ensure that all classic customers within the portfo-
lio are contacted
 Usage of APT and data in CRM for effective call
planning and review with BH / PBA(Pre call plan-
ning and post call review )
 Detailed updation of interaction to be captured in
CRM , Tasks/ leads to be created , profiler to be up-
dated on same day of interaction

Gold Loan Operations:

 Managing Gold Loan operations in the Branch of

Gold Loan & Other Operations
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 pro-
cessing Gold Loan
 Mandatory central reporting / updating of GL
 Handling day to day queries / inquiries on Gold
Loan
 Responsible for complete audit parameters associ-
ated 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 manage-
ment.
 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

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 Classifi
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Interna Closure, etc.)
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 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:  Sales and Influencing Skills

 Post-Graduation:  Banking Product & Process Knowledge
Certifications:  NRI Product and Regulatory Knowledge
 NISM V-A Certification  Planning and Organizing Skills
 IRDA Certification  Communication
 NCFM Certification (Optional)  Knowledge of Competition & Current trends in
 CAIIB (Optional) financial Industry.
 Internal Certification
 GI certification

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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Interna