Relationship Manager Gold Loan

AU SMALL FINANCE BANK; India; On-site; INR 400,000 - 700,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Relationship Manager for Gold Loans to drive customer acquisition and deliver end-to-end service at the branch level.

You will assess gold loan needs, perform valuations, complete documentation, and ensure timely disbursement while monitoring repayments and portfolio quality. This role demands strong communication and negotiation skills in a branch banking environment.

Qualifications

• Gold loan product knowledge
• Lending norms and RBI guidelines
• KYC and compliance procedures

Responsibilities

• Acquire gold loan customers and service existing portfolio
• Conduct gold valuation and documentation
• Ensure timely disbursement and repayment tracking
• Maintain portfolio quality

Skills

Communication

Negotiation

MS Office

Tools

MS Office

Job description

Job Description

Group Company: AU Small Finance Bank Limited

Designation: Relationship Manager Gold Loan

Position description: Responsible for acquiring and servicing gold loan customers, ensuring compliance with lending norms, and achieving business targets.

Primary Responsibilities

• 1.Customer acquisition for gold loans
• 2. Conduct gold valuation and documentation
• 3. Ensure timely disbursement and repayment tracking
• 4.Maintain portfolio quality

Additional Responsibilities

• 1.Cross-sell banking products
• 2. Support branch operations
• 3. Handle customer queries and complaints

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational Qualifications Preferred

• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Work Experience

• Industry: Banking / NBFC
• Role: Sales / Lending
• Years of experience: 2 to 5

Key Performance Indicators

• 1.Loan disbursement volume
• 2.Portfolio quality
• 3.Customer satisfaction score

Required Competencies

• 1.Customer Orientation
• 2.Integrity
• 3.Result Focus

Required Knowledge

• 1. Gold loan products
• 2. Lending norms
• 3.KYC and compliance

Required Skills

• - Communication
• - Negotiation
• - MS Office

Required Abilities

• Physical: General office work
• Other: Ability to handle pressure

Work Environment Details: Branch-based with customer interaction

Specific Requirements

• Travel: Yes
• Vehicle: Preferred
• Work Permit: Not applicable

Other Details

• Pay Rate:
• Contract Types: Permanent, Full-time
• Time Constraints: Standard banking hours
• Compliance Related: Adherence to RBI and internal norms
• Union Affiliation: