Senior Relationship Officer Gold Loan

AU SMALL FINANCE BANK; Bandikui; On-site; INR 600,000 - 1,000,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Senior Relationship Officer for Gold Loan products to drive portfolio growth by building and maintaining high-value client relationships. The role requires deep knowledge of secured lending, credit appraisal, and regulatory compliance.

You will manage end-to-end processes and contribute to achieving sales targets with exemplary customer service. The candidate should have 5+ years in gold loan sales or secured lending, with strong negotiation and

Qualifications

• Bachelor’s degree in Finance, Business Administration or related field preferred.
• MBA or equivalent postgraduate qualification preferred.

Responsibilities

• Develop and maintain relationships with clients to promote gold loan products.
• Conduct credit appraisals and risk assessments per lending policies.
• Manage end-to-end gold loan process including documentation, valuation, sanction, and disbursal.
• Meet monthly/quarterly sales targets and cross-sell other financial products.

Skills

Gold Loan Portfolio Management

Credit Risk Assessment

CRM

Financial Analysis

Regulatory Compliance

Negotiation

Collateral Valuation

Loan Recovery

Market Analysis

Team Leadership

Education

Bachelor’s degree in Finance or Business

MBA or related postgraduate qualification preferred

Job description

Job 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

• 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 secured lending, and will be responsible for managing high-value client accounts, assessing creditworthiness, and ensuring compliance with regulatory standards. This position plays a a critical role in expanding the bank’s gold loan business while delivering exceptional customer service and achieving sales targets.

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, sanctioning, and disbursal.
• Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities and cross-sell other financial products.
• Collaborate with the valuation team and ensure accurate and timely valuation of gold collateral in accordance with regulatory guidelines.
• Monitor loan repayments and coordinate with the collections team to minimize delinquencies and recover overdue payments.
• Provide expert advice to clients on gold loan terms, interest rates, and repayment options to enhance customer satisfaction and retention.
• Ensure adherence to all regulatory and compliance requirements related to gold loan disbursement and recovery.
• Prepare detailed reports on portfolio performance, client feedback, and market trends to inform strategic decision-making.
• Train and mentor junior relationship officers and sales staff to enhance team performance and product knowledge.

Skill

• Gold Loan Portfolio Management
• Credit Risk Assessment
• Customer Relationship Management (CRM)
• Financial Analysis and Documentation
• Regulatory Compliance in Lending
• Negotiation and Sales Closing
• Collateral Valuation Techniques
• Loan Recovery and Collections
• Market and Competitor Analysis
• 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 gold loan sales or secured lending within the financial services sector, preferably with a banking institution.

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*#