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 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*#