Sr Relationship Officer Gold Loan

AU Small Finance Bank; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

AU Small Finance Bank Limited seeks an experienced Senior Relationship Officer specializing in Gold Loan products in Mumbai. You will manage and expand the gold loan portfolio, ensure regulatory compliance, and drive growth through proactive relationship management with clients and partners.

The role requires strong analytical, negotiation, and communication skills to build long-term client partnerships and support the bank's leadership in the gold loan segment.

Qualifications

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

Responsibilities

• Develop and maintain relationships with gold loan customers to maximize portfolio growth.
• Conduct credit appraisals and risk assessments per policy and regulatory guidelines.
• Coordinate with credit and risk teams to ensure timely processing of disbursements and recoveries.
• Identify new business opportunities by leveraging market insights to enhance offerings.

Skills

Gold Loan Portfolio Management

Credit Risk Assessment

Customer Relationship Management

Financial Analysis

Regulatory Compliance

Negotiation

Team Leadership

Market Research

Loan Processing

Communication Skills

Education

Bachelor's degree in Finance or Business

MBA or equivalent postgraduate qualification preferred

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 will be responsible for managing and expanding the gold loan portfolio, ensuring compliance with regulatory standards, and driving business growth through effective relationship management. The ideal candidate will possess deep knowledge of financial services, particularly secured lending, and demonstrate strong analytical, negotiation, and communication skills to foster long-term client partnerships and contribute to the bank's market leadership in gold loan offerings.

Responsibilities

• Develop and maintain strong relationships with existing and prospective gold loan customers to maximize portfolio growth and customer retention.
• Conduct thorough credit appraisals and risk assessments of gold loan applications in compliance with the banks policies and regulatory guidelines.
• Collaborate with the credit and risk teams to ensure timely and accurate processing of gold loan disbursements and recoveries.
• Identify and pursue new business opportunities by leveraging market insights and customer feedback to enhance product offerings and competitive positioning.
• Provide expert guidance to customers on gold loan products, terms, and repayment options, ensuring transparency and customer satisfaction.
• Monitor and analyze portfolio performance metrics, preparing detailed reports for senior management to inform strategic decision-making.
• Coordinate with internal teams including legal, compliance, and operations to ensure seamless loan processing and adherence to statutory requirements.
• Lead and mentor junior relationship officers and sales staff to build a high-performing team focused on achieving sales targets and operational excellence.
• Stay updated with industry trends, regulatory changes, and competitor activities to proactively adapt strategies and maintain compliance.
• Drive customer engagement initiatives and participate in community outreach programs to enhance the banks brand presence in the gold loan segment.

Skill

• Gold Loan Portfolio Management
• Credit Risk Assessment
• Customer Relationship Management (CRM)
• Financial Analysis and Reporting
• Regulatory Compliance in Financial Services
• Negotiation and Sales Strategy
• Team Leadership and Mentoring
• Market Research and Competitive Analysis
• Loan Processing and Documentation
• Communication and Interpersonal Skills

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 sales or relationship management within the financial services sector, with a focus on secured lending or gold loan products.

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