Senior Relationship Officer Gold Loan

AU Small Finance Bank; Amravati; On-site; INR 240,000 - 420,000; Full time

Job summary

Au Small Finance Bank Ltd. seeks a field-oriented officer to drive gold loan sourcing and servicing. You will engage customers, verify KYC, and process loan applications while maintaining data accuracy and compliance. The role involves field visits, local travel, and strong customer-facing responsibilities.

Ideal candidates will be able to discuss loan terms clearly, ensure timely repayments, and uphold high professional standards in a busy branch environment.

Qualifications

• Understanding of gold loan products and lending process.
• Customer service and sales orientation.
• Basic knowledge of documentation, KYC, and credit norms.
• Data entry and basic computer skills (MS Excel, email, banking software).
• Ability to manage fieldwork and customer visits.
• High level of integrity and ethical conduct.
• Strong communication and interpersonal skills.
• Self-motivated and target driven.
• Ability to work independently and as part of a team.
• Discipline, punctuality, and professional grooming.

Responsibilities

• Achieve monthly and quarterly targets for gold loan disbursement and portfolio growth.
• Cross-sell insurance, savings accounts, and other financial products to gold loan customers.
• Monitor repayments and minimize delinquencies by ensuring timely collections.
• Assist in cash handling and safe documentation during gold loan processing (if required).
• Support the branch in enhancing profitability through quality sourcing and customer retention.
• Conduct field visits and community outreach to source gold loan customers.
• Verify gold and KYC documents, ensure accurate data entry and loan application processing.
• Provide clear communication to customers on interest rates, terms, and repayment schedules.
• Maintain regular follow-ups with customers for renewals, top-ups, and feedback.
• Ensure a high level of customer satisfaction through responsive and transparent service.
• Assist in maintaining branch hygiene, proper storage of pledged gold, and accurate record-keeping.
• Coordinate with valuation personnel and back-office teams for seamless loan disbursal

Skills

Gold loan knowledge

Customer service orientation

KYC documentation basics

Data entry

MS Excel

Banking software

Fieldwork management

Integrity & ethics

Communication skills

Self-motivation & targets

Teamwork & independence

Discipline & grooming

Tools

MS Excel

Banking software

Job description

• Understandingof gold loan products and lending process.
• Customerservice and sales orientation.
• Basicknowledge of documentation, KYC, and credit norms.
• Dataentry and basic computer skills (MS Excel, email, banking software).
• Abilityto manage fieldwork and customer visits.
• Highlevel of integrity and ethical conduct.
• Strongcommunication and interpersonal skills.
• Self-motivatedand target driven.
• Abilityto work independently and as part of a team.
• Discipline,punctuality, and professional grooming.

JobResponsibilities:

• Achieve monthly and quarterlytargets for gold loan disbursement and portfolio growth.
• Cross-sell insurance, savingsaccounts, and other financial products to gold loan customers.
• Monitor repayments and minimizedelinquencies by ensuring timely collections.
• Assist in cash handling and safedocumentation during gold loan processing (if required).
• Support the branch in enhancingprofitability through quality sourcing and customer retention
• Conductfield visits and community outreach to source gold loan customers.
• Verifygold and KYC documents, ensure accurate data entry and loan applicationprocessing.
• Provideclear communication to customers on interest rates, terms, and repaymentschedules.
• Maintainregular follow-ups with customers for renewals, top-ups, and feedback.
• Ensurea high level of customer satisfaction through responsive and transparentservice.
• Assistin maintaining branch hygiene, proper storage of pledged gold, and accuraterecord-keeping.
• Coordinatewith valuation personnel and back-office teams for seamless loan disbursal

Complianceand Risk Responsibilities:

• Ensureadherence to all internal policies, RBI regulations, and operational proceduresfor gold loans.
• Maintainconfidentiality of customer information and transaction data.
• Followsecurity protocols for gold storage and handling.
• Reportsuspicious transactions or potential frauds immediately to reporting authority.
• Ensuredocumentation is audit-ready and error-free.

Additional Requirements:

• Must own amobile phone and two-wheeler (bike) for daily field activities.
• Should becomfortable using computers, emails, and banking applications for dailyreporting and data entry.
• Willingnessto travel locally for customer sourcing and service.