Senior Relationship Officer Gold Loan

AU SMALL FINANCE BANK

Hyderabad

On-site

INR 1,500,000 - 2,500,000

Full time

10 days ago

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Job summary

AU Small Finance Bank Limited seeks a Senior Relationship Officer specialized in Gold Loan products to drive portfolio growth by building and maintaining client relationships. You will assess creditworthiness, ensure regulatory compliance, and manage high-value accounts across the territory.

The role requires a strategic, customer-centric professional with deep knowledge of secured lending and a track record of achieving sales targets.

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 sector with a focus on secured lending, preferably gold loans or similar collateral-based products.

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, disbursal, and recovery.
Collaborate with the valuation team to ensure accurate and timely assessment of gold collateral.
Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities within the assigned territory.
Provide expert guidance to clients on gold loan terms, interest rates, repayment schedules, and regulatory requirements.
Coordinate with internal teams such as credit, legal, and operations to streamline loan processing and resolve any client issues promptly.
Monitor and manage the portfolio quality by tracking repayments, identifying potential defaults, and initiating recovery actions as necessary.
Stay updated with market trends, competitor offerings, and regulatory changes impacting gold loan products to advise clients effectively.
Prepare detailed reports on sales performance, client feedback, and market insights for senior management review.
Train and mentor junior relationship officers and sales staff to enhance team performance and product knowledge.

Skills

Gold Loan Product Knowledge

Credit Risk Assessment

Customer Relationship Management

Collateral Valuation Techniques

Regulatory Compliance in Lending

Sales Target Achievement

Portfolio Management

Financial Analysis

Negotiation and Persuasion

Report Preparation and Documentation

Team Leadership and Mentoring

Education

Bachelor’s degree in Finance or related field

MBA or equivalent postgraduate qualification

Job description

Sales Target Achievement
Financial Analysis

Group Company:

AU Small Finance Bank Limited

Designation:

Senior Relationship Officer Gold Loan

Office Location:

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

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

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, disbursal, and recovery.
Collaborate with the valuation team to ensure accurate and timely assessment of gold collateral.
Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities within the assigned territory.
Provide expert guidance to clients on gold loan terms, interest rates, repayment schedules, and regulatory requirements.
Coordinate with internal teams such as credit, legal, and operations to streamline loan processing and resolve any client issues promptly.
Monitor and manage the portfolio quality by tracking repayments, identifying potential defaults, and initiating recovery actions as necessary.
Stay updated with market trends, competitor offerings, and regulatory changes impacting gold loan products to advise clients effectively.
Prepare detailed reports on sales performance, client feedback, and market insights for senior management review.
Train and mentor junior relationship officers and sales staff to enhance team performance and product knowledge.

Skill

Gold Loan Product Knowledge
Credit Risk Assessment
Customer Relationship Management
Collateral Valuation Techniques
Regulatory Compliance in Lending
Sales Target Achievement
Portfolio Management
Financial Analysis
Negotiation and Persuasion
Report Preparation and Documentation
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 sector with a focus on secured lending, preferably gold loans or similar collateral-based products.

Key Performance Indicators

#*Key Performance Indicators*#

Required Competencies

#*Required Competencies*#

Required Knowledge

#*Required Knowledge*#

Required Skills

#*Required Skills*#

Required Abilities