Relationship Manager Gold Loan

AU SMALL FINANCE BANK; Lucknow; On-site; INR 500,000 - 800,000; Full time

Job summary

AU Small Finance Bank Limited in Lucknow invites applications for the role of Relationship Manager Gold Loan. You will be responsible for acquiring and servicing gold loan customers, ensuring adherence to lending norms and achieving business targets.

Key duties include gold valuation, documentation, timely disbursement, and ongoing portfolio quality. Travel to branches as needed, cross-sell banking products, and support branch operations. Strong communication and negotiation skills are essential.

Qualifications

• Banking or NBFC sales experience preferred.
• 2–5 years of relevant experience in lending.
• Knowledge of gold loan products and RBI guidelines preferred.

Responsibilities

• Acquire gold loan customers and service them.
• Conduct gold valuation and documentation.
• Ensure timely disbursement and monitor repayment.
• Maintain portfolio quality and meet KPIs.
• Cross-sell banking products and support branch operations.

Skills

Communication

Negotiation

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: