Senior Relationship Officer Gold Loan

AU SMALL FINANCE BANK

Haveri District

On-site

INR 900,000 - 1,600,000

Full time

11 days ago

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Job summary

AU Small Finance Bank Limited seeks a Senior Relationship Officer specialized in Gold Loan to lead growth of our secured lending portfolio. You will nurture client relationships, assess creditworthiness, and ensure compliance with banking regulations while delivering superior service.

You will evaluate collateral, conduct risk assessments, and coordinate with appraisal and collections teams, collaborating with sales to design targeted campaigns.

Qualifications

Minimum 5 years of experience in secured lending, preferably gold loans.
Bachelor's degree in Finance or MBA preferred.

Responsibilities

Develop and maintain relationships to drive gold loan growth.
Conduct credit appraisals and risk assessments per lending policies.
Evaluate collateral quality with appraisal team.
Ensure compliance with regulatory guidelines.
Collaborate with sales/marketing to design campaigns.
Monitor repayment and coordinate with collections.
Advise clients on products, rates, and repayment options.
Prepare portfolio reports for senior management review.
Train and mentor junior officers to enhance client management and product knowledge.
Identify cross-selling opportunities with existing clients.

Skills

Gold Loan Portfolio

Credit Risk

Collateral Evaluation

Regulatory Compliance

CRM

Financial Analysis

Loan Recovery

Cross-Selling

Negotiation

Team Leadership

Education

Finance/Business Admin

Job description

Cross-Selling Financial Products

Group Company:

AU Small Finance Bank Limited

Designation:

Senior Relationship Officer Gold Loan

Position description:

#*Position description*#

Primary Responsibilities:

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Additional Responsibilities:

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Reporting Team

Reporting Designation: #*Reporting Designation*#
Reporting Department: #*Reporting Department*#

Educational Qualifications Preferred

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Category: #*Category*#
Field specialization: #*Field specialization*#
Degree: #*Degree*#
Academic score: #*Academic score*#
Institution tier: #*Institution tier*#

Required Certification/s:

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Required Training/s:

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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 with a deep understanding of the financial services sector, particularly in secured lending. The incumbent will be responsible for managing and expanding the gold loan portfolio by building strong client relationships, assessing creditworthiness, and ensuring compliance with regulatory standards. This position requires a proactive approach to customer engagement, risk assessment, and cross-selling of banking products to meet the bank's growth objectives while maintaining high service quality and operational efficiency.

Responsibilities

Develop and maintain strong relationships with existing and prospective clients to drive gold loan business growth.
Conduct thorough credit appraisals and risk assessments of gold loan applicants to ensure adherence to the bank's lending policies.
Evaluate the quality and authenticity of gold collateral in coordination with the appraisal team to mitigate risks.
Ensure compliance with regulatory guidelines and internal policies related to gold loan disbursement and recovery.
Collaborate with the sales and marketing teams to design and implement targeted campaigns for gold loan products.
Monitor loan repayment schedules and coordinate with the collections team to manage overdue accounts effectively.
Provide expert advice to clients on gold loan products, interest rates, and repayment options to enhance customer satisfaction.
Prepare detailed reports on portfolio performance, market trends, and competitor analysis for senior management review.
Train and mentor junior relationship officers to enhance their skills in client management and product knowledge.
Identify opportunities for cross-selling other banking products and services to gold loan customers to maximize revenue.

Skill

Gold Loan Portfolio Management
Credit Risk Assessment
Collateral Evaluation
Regulatory Compliance in Lending
Customer Relationship Management (CRM)
Financial Analysis and Reporting
Loan Recovery and Collections
Cross-Selling Financial Products
Negotiation and Communication
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 the financial services industry with a focus on secured lending, preferably gold loans.

Key Performance Indicators:

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Required Competencies:

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Required Knowledge:

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Required Skills:

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Required Abilities