Sr Relationship Officer Gold Loan
AU Small Finance Bank · Hyderabad · onsite · Posted 45d ago
Undisclosed0–3 yrsfulltimeSourced from
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About this role
:- 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.
Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
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 banks lending policies.
- Manage the end-to-end gold loan process including documentation, disbursement, and recovery in adherence to regulatory guidelines.
- Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities and cross-selling other financial products.
- Collaborate with internal teams such as credit, legal, and operations to ensure smooth loan processing and timely resolution of client queries.
- Monitor and manage the gold loan portfolio to minimize delinquencies and non-performing assets through proactive client engagement and follow-ups.
- Provide expert advice to clients on gold loan terms, interest rates, repayment options, and other related financial products.
- Stay updated with market trends, competitor offerings, and regulatory changes impacting gold loan products to maintain competitive advantage.
- Prepare detailed reports on sales performance, client feedback, and market insights for senior management review.
- Train and mentor junior relationship officers to enhance team capabilities and ensure consistent service quality.
Skill:-
- Gold Loan Portfolio Management
- Credit Risk Assessment
- Customer Relationship Management (CRM)
- Financial Analysis and Appraisal
- Regulatory Compliance in Lending
- Sales Target Achievement
- Negotiation and Persuasion
- Cross-Selling Financial Products
- Market and Competitor Analysis
- Team Leadership and Mentoring
Preferred Qualifications:-
- Bachelors degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum of 5 years of experience in sales or relationship management within the financial services sector, with a focus on secured lending or gold loans.
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- Union Affiliation: #*Union Affiliation*#
Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
Sourced from naukri
Skills
Customer ServiceGold LoancrmLendinggold loansFinancial ProductsDisbursementcredit riskAdministrationFinancial ServicesLegalfinancial analysiscompliancefinanceCompetitor Analysis
About AU Small Finance Bank
AU Small Finance Bank
Banking
50.9k+
employees
1996
30 years old
Jaipur, Rajasthan
India
About
AU Small Finance Bank offer banking services such as personal banking, online banking, internet banking, business & corporate banking, insurance, loans, investments, retail banking & much more.
Industries
BankingFinancial Services
Employee ratings
14,223 reviews
3.8/ 5
Culture
3.6
Career growth
3.5
Work-life
3.7
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