Sr Relationship Officer Gold Loan

AU Small Finance Bank; Lingasugur; On-site; INR 800,000 - 1,500,000; Full time

Job summary

AU Small Finance Bank is seeking a Senior Relationship Officer specializing in Gold Loan products to expand the bank's gold loan portfolio and deliver tailored financial solutions. The role emphasizes strategic client relationships, credit assessment, and regulatory compliance to drive growth.

The ideal candidate will have deep industry knowledge, strong interpersonal skills, and a proven ability to manage risk while guiding customers through loan options, rates, and repayment plans.

Qualifications

• Bachelor's degree in Finance or Business Administration; MBA preferred.
• Minimum of 5 years of gold loan sales or secured lending experience.

Responsibilities

• Develop and manage a high-quality gold loan portfolio by acquiring new customers and maintaining relations.
• Conduct credit appraisals and risk assessments per lending policies and regulations.
• Coordinate with internal teams to ensure smooth loan disbursal and proper documentation of gold assets.
• Monitor repayments and manage delinquent accounts to protect portfolio health.
• Advise customers on gold loan products, rates, repayment options, and terms.
• Analyze market trends and competitors to suggest product enhancements and pricing.
• Prepare reports on portfolio performance, feedback, and market insights for management.
• Train and mentor junior sales officers and relationship managers.
• Ensure compliance with internal controls, audits, and regulatory frameworks.
• Support branch-level sales planning and help achieve monthly/quarterly targets.

Skills

Gold Loan Portfolio Management

Credit Risk Assessment

Customer Relationship Management

Regulatory Compliance in Lending

Financial Analysis and Reporting

Negotiation and Sales Strategy

Team Leadership and Mentoring

Market Research and Competitive Analys

Loan Documentation and Verification

Delinquency Management

Education

Bachelor's degree in Finance/Business Administration

MBA or equivalent postgraduate qualification

Job description

:- 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 while ensuring compliance with regulatory standards. The ideal candidate will leverage deep industry knowledge and strong interpersonal skills to build and maintain robust relationships with clients, assess creditworthiness, and provide tailored financial solutions. This position plays a critical role in expanding the bank's footprint in the gold loan segment, contributing to overall business objectives and customer satisfaction.

Responsibilities:-

• Develop and manage a high-quality gold loan portfolio by identifying and acquiring new customers while maintaining strong relationships with existing clients.
• Conduct thorough credit appraisals and risk assessments of gold loan applicants to ensure adherence to the banks lending policies and regulatory guidelines.
• Collaborate with internal teams to facilitate smooth loan disbursal processes and ensure timely documentation and verification of gold assets.
• Monitor loan repayments and proactively manage delinquent accounts to minimize non-performing assets and ensure portfolio health.
• Provide expert guidance to customers on gold loan products, interest rates, repayment options, and terms to enhance customer experience and satisfaction.
• Analyze market trends and competitor offerings to recommend product enhancements and competitive pricing strategies.
• Prepare detailed reports on portfolio performance, customer feedback, and market insights for senior management review.
• Train and mentor junior sales officers and relationship managers to build a knowledgeable and efficient sales team.
• Ensure compliance with all internal controls, audit requirements, and regulatory frameworks related to gold loan operations.
• Participate in branch-level sales planning and contribute to achieving monthly and quarterly business targets.

Skill:-

• Gold Loan Portfolio Management
• Credit Risk Assessment
• Customer Relationship Management
• Regulatory Compliance in Lending
• Financial Analysis and Reporting
• Negotiation and Sales Strategy
• Team Leadership and Mentoring
• Market Research and Competitive Analysis
• Loan Documentation and Verification
• Delinquency Management

Preferred Qualifications:-

• Bachelors 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 industry, preferably with a focus on small finance banks or NBFCs.