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 individual with a deep understanding of the financial services sector, particularly in secured lending. The incumbent will be responsible for managing and expanding the gold loan portfolio by building strong client relationships, assessing creditworthiness, and ensuring compliance with regulatory standards. This position requires a proactive approach to customer engagement, risk assessment, and cross-selling of banking products to meet the bank's growth objectives while maintaining high service quality and operational efficiency.

Responsibilities:-

• Develop and maintain strong relationships with existing and prospective clients to drive gold loan business growth.
• Conduct thorough credit appraisals and risk assessments of gold loan applicants to ensure adherence to the bank's lending policies.
• Evaluate the quality and authenticity of gold collateral in coordination with the appraisal team to mitigate risks.
• Ensure compliance with regulatory guidelines and internal policies related to gold loan disbursement and recovery.
• Collaborate with the sales and marketing teams to design and implement targeted campaigns for gold loan products.
• Monitor loan repayment schedules and coordinate with the collections team to manage overdue accounts effectively.
• Provide expert advice to clients on gold loan products, interest rates, and repayment options to enhance customer satisfaction.
• Prepare detailed reports on portfolio performance, market trends, and competitor analysis for senior management review.
• Train and mentor junior relationship officers to enhance their skills in client management and product knowledge.
• Identify opportunities for cross-selling other banking products and services to gold loan customers to maximize revenue.
  
  

Skill:-

• Gold Loan Portfolio Management
• Credit Risk Assessment
• Collateral Evaluation
• Regulatory Compliance in Lending
• Customer Relationship Management (CRM)
• Financial Analysis and Reporting
• Loan Recovery and Collections
• Cross-Selling Financial Products
• Negotiation and Communication
• 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 the financial services industry with a focus on secured lending, preferably gold loans.
  
  

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*#