Senior Relationship Officer Gold Loan

Group Company: AU Small Finance Bank Limited

Designation: Senior Relationship Officer Gold Loan

Office Location:

Position description: #*Position description*#

Primary Responsibilities: #*Primary Responsibilities*#

Additional Responsibilities: #*Additional Responsibilities*#

Reporting Team

• Reporting Designation: #*Reporting Designation*#
• Reporting Department: #*Reporting Department*#
  
  

Educational Qualifications Preferred

#*Education and Experience*#

• Category: #*Category*#
• Field specialization: #*Field specialization*#
• Degree: #*Degree*#
• Academic score: #*Academic score*#
• Institution tier: #*Institution tier*#
  
  

Required Certification/s: #*Required Certification/s*#

Required Training/s: #*Required Training/s*#

Required Work Experience

• Industry: #*Industry*#
• Role: #*Role*#
• Years of experience: #*Years of experience*#
  
  

Job Brief:- AU Small Finance Bank Limited is seeking an experienced and dynamic professional to join our Sales department as a Senior Relationship Officer specializing in Gold Loan products. This role demands a strategic and customer-centric individual who can drive gold loan portfolio growth by building and maintaining strong relationships with clients. The ideal candidate will have a deep understanding of the financial services industry, particularly secured lending, and will be responsible for managing high-value client accounts, assessing creditworthiness, and ensuring compliance with regulatory standards. This position plays a a critical role in expanding the bank's gold loan business while delivering exceptional customer service and achieving sales targets.

Responsibilities:-

• Develop and maintain strong relationships with existing and prospective clients to promote gold loan products and services.
• Conduct thorough credit appraisals and risk assessments of gold loan applicants to ensure compliance with the bank's lending policies.
• Manage the end-to-end gold loan process including documentation, valuation of gold assets, sanctioning, and disbursal.
• Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities and cross-selling other financial products.
• Collaborate with the valuation team and ensure accurate and timely valuation of gold collateral in accordance with regulatory guidelines.
• Monitor loan repayments and coordinate with the collections team to minimize delinquencies and recover overdue payments.
• Provide expert advice to clients on gold loan terms, interest rates, and repayment options to enhance customer satisfaction and retention.
• Ensure adherence to all regulatory and compliance requirements related to gold loan disbursement and recovery.
• Prepare detailed reports on portfolio performance, client feedback, and market trends to inform strategic decision-making.
• Train and mentor junior relationship officers and sales staff to enhance team performance and product knowledge.
  
  

Skill:-

• Gold Loan Portfolio Management
• Credit Risk Assessment
• Customer Relationship Management (CRM)
• Financial Analysis and Documentation
• Regulatory Compliance in Lending
• Negotiation and Sales Closing
• Collateral Valuation Techniques
• Loan Recovery and Collections
• Market and Competitor Analysis
• Team Leadership and Mentoring
  
  

Preferred Qualifications:-

• Bachelor's degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
• Minimum of 5 years of experience in gold loan sales or secured lending within the financial services sector, preferably with a banking institution.
  
  

Key Performance Indicators: #*Key Performance Indicators*#

Required Competencies: #*Required Competencies*#

Required Knowledge: #*Required Knowledge*#

Required Skills: #*Required Skills*#

Required Abilities

• Physical: #*Physical*#
• Other: #*Other*#
  
  

Work Environment Details: #*Work Environment Details*#

Specific Requirements

• Travel: #*Travel*#
• Vehicle: #*Vehicle*#
• Work Permit: #*Work Permit*#
  
  

Other Details

• Pay Rate: #*Pay Rate*#
• Contract Types: #*Contract Types*#
• Time Constraints: #*Time Constraints*#
• Compliance Related: #*Compliance Related*#
• Union Affiliation: #*Union Affiliation*#