Sr Relationship Officer Gold Loan
AU Small Finance Bank · Not specified · 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 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.
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 drive gold loan business growth.
- Conduct thorough credit appraisals and risk assessments of gold loan applicants to ensure adherence to the banks 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:-
- Bachelors 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.
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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 Engagementcustomer satisfactioncrmBanking ProductsFinancial ProductsBankingDisbursementcredit riskAdministrationfinancial 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
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14,223 reviews
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Culture
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