AU Small Finance Bank—Senior Relationship Officer Gold Loan

Job description

Description: 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 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. 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, sanctioning, and disbursal. - Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities and cross-selling other financial products. - Collaborate with the valuation team and ensure accurate and timely valuation of gold collateral in accordance with regulatory guidelines. - Monitor loan repayments and coordinate with the collections team to minimize delinquencies and recover overdue payments. - Provide expert advice to clients on gold loan terms, interest rates, and repayment options to enhance customer satisfaction and retention. - Ensure adherence to all regulatory and compliance requirements related to gold loan disbursement and recovery. - Prepare detailed reports on portfolio performance, client feedback, and market trends to inform strategic decision-making. - Train and mentor junior relationship officers and sales staff to enhance team performance and product knowledge. Skill:- - Gold Loan Portfolio Management - Credit Risk Assessment - Customer Relationship Management (CRM) - Financial Analysis and Documentation - Regulatory Compliance in Lending - Negotiation and Sales Closing - Collateral Valuation Techniques - Loan Recovery and Collections - Market and Competitor Analysis - 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 gold loan sales or secured lending within the financial services sector, preferably with a banking institution. 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*#