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 individual who can manage and expand the bank's gold loan portfolio by building strong customer relationships, ensuring compliance with regulatory standards, and driving business growth. The ideal candidate will have a deep understanding of the financial services industry, particularly in secured lending, and possess the ability to assess customer needs, evaluate gold collateral, and deliver tailored financial solutions. This position plays a critical role in enhancing customer satisfaction and contributing to the bank's market leadership in gold loan offerings. Responsibilities:- - Develop and maintain strong relationships with existing and prospective customers to promote gold loan products and services. - Conduct thorough assessment and verification of gold collateral to ensure compliance with bank policies and regulatory requirements. - Evaluate customer creditworthiness and repayment capacity to mitigate risks associated with gold loan disbursement. - Collaborate with internal teams to streamline loan processing, documentation, and disbursement procedures for enhanced customer experience. - Achieve and exceed monthly and quarterly sales targets by identifying new business opportunities within the assigned territory. - Provide expert guidance to customers on gold loan terms, interest rates, repayment schedules, and associated charges. - Monitor loan accounts regularly to ensure timely repayments and initiate recovery actions for overdue accounts. - Stay updated with market trends, competitor offerings, and regulatory changes impacting gold loan products. - Prepare detailed reports on sales performance, customer feedback, and market insights for senior management review. - Conduct training and mentoring sessions for junior sales staff to enhance team capabilities and product knowledge. Skill:- - Gold Loan Product Knowledge - Customer Relationship Management - Credit Risk Assessment - Collateral Evaluation - Regulatory Compliance - Sales Target Achievement - Loan Documentation and Processing - Market Analysis - Negotiation Skills - Team Leadership and Mentoring Preferred Qualifications:- - Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification is 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 loan 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*#