Sr Relationship Officer Gold Loan
AU Small Finance Bank · Nashik · onsite · Posted 45d ago
Undisclosed0–3 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
JobPurpose : To drivegold loan business through customer acquisition, servicing, and cross-sellingat the branch level. The Relationship Officer will play a critical role inidentifying potential customers, ensuring smooth disbursal of loans, andmaintaining strong relationships while adhering to compliance and operationalguidelines.
FunctionalRole : RelationshipOfficer Gold Loan
JobCode :
Qualification : Minimum Graduation
BusinessUnit : Gold Loan
Location : PAN India
Department : Sales
RelevantExperience : 6months - 3 years of experience.
FunctionalCompetencies:
Understandingof gold loan products and lending process.
Customerservice and sales orientation.
Basicknowledge of documentation, KYC, and credit norms.
Dataentry and basic computer skills (MS Excel, email, banking software).
Abilityto manage fieldwork and customer visits.
BehaviouralCompetencies:
Highlevel of integrity and ethical conduct.
Strongcommunication and interpersonal skills.
Self-motivatedand target driven.
Abilityto work independently and as part of a team.
Discipline,punctuality, and professional grooming.
JobResponsibilities:
FinancialResponsibilities:
Achieve monthly and quarterlytargets for gold loan disbursement and portfolio growth.
Cross-sell insurance, savingsaccounts, and other financial products to gold loan customers.
Monitor repayments and minimizedelinquencies by ensuring timely collections.
Assist in cash handling and safedocumentation during gold loan processing (if required).
Support the branch in enhancingprofitability through quality sourcing and customer retention
Non-financialResponsibilities:
Conductfield visits and community outreach to source gold loan customers.
Verifygold and KYC documents, ensure accurate data entry and loan applicationprocessing.
Provideclear communication to customers on interest rates, terms, and repaymentschedules.
Maintainregular follow-ups with customers for renewals, top-ups, and feedback.
Ensurea high level of customer satisfaction through responsive and transparentservice.
Assistin maintaining branch hygiene, proper storage of pledged gold, and accuraterecord-keeping.
Coordinatewith valuation personnel and back-office teams for seamless loan disbursal
Complianceand Risk Responsibilities:
Ensureadherence to all internal policies, RBI regulations, and operational proceduresfor gold loans.
Maintainconfidentiality of customer information and transaction data.
Followsecurity protocols for gold storage and handling.
Reportsuspicious transactions or potential frauds immediately to reporting authority.
Ensuredocumentation is audit-ready and error-free.
Additional Requirements:
Must own amobile phone and two-wheeler (bike) for daily field activities.
Should becomfortable using computers, emails, and banking applications for dailyreporting and data entry.
Willingnessto travel locally for customer sourcing and service.
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 RetentionGold Loancustomer satisfactionLendinggold loansBanking SoftwareLoansFinancial ProductsBankingDisbursementCustomer AcquisitioncomplianceData EntryKYCCommunication And Interpersonal SkillsCash Handling
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
Employees rate it well for
Work Culture1155Work Environment896Salary745Learning675Work Life Balance609
Find them on