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 in secured lending, and will be responsible for managing high-value customer accounts, assessing creditworthiness, and ensuring compliance with regulatory standards. This position plays a critical role in expanding the bank's gold loan business while delivering exceptional service and fostering long-term client loyalty.

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, disbursal, and recovery.
• Collaborate with the valuation team to ensure accurate and timely assessment of gold collateral.
• Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities within the assigned territory.
• Provide expert guidance to clients on gold loan terms, interest rates, repayment schedules, and regulatory requirements.
• Coordinate with internal teams such as credit, legal, and operations to streamline loan processing and resolve any client issues promptly.
• Monitor and manage the portfolio quality by tracking repayments, identifying potential defaults, and initiating recovery actions as necessary.
• Stay updated with market trends, competitor offerings, and regulatory changes impacting gold loan products to advise clients effectively.
• Prepare detailed reports on sales performance, client feedback, and market insights for senior management review.
• Train and mentor junior relationship officers and sales staff to enhance team performance and product knowledge.
  
  

Skill:-

• Gold Loan Product Knowledge
• Credit Risk Assessment
• Customer Relationship Management
• Collateral Valuation Techniques
• Regulatory Compliance in Lending
• Sales Target Achievement
• Portfolio Management
• Financial Analysis
• Negotiation and Persuasion
• Report Preparation and Documentation
• 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 sector with a focus on secured lending, preferably gold loans or similar collateral-based products.
  
  

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*#