Sr Relationship Officer Gold Loan

AU Small Finance Bank; Nashik District; On-site; INR 279,000 - 502,000; Full time

Job summary

AU Small Finance Bank is seeking a Relationship Officer for Gold Loans to drive customer acquisition, servicing, and cross-selling at the branch level. The role focuses on smooth disbursal, maintaining strong relationships, and compliance with RBI guidelines across PAN India.

Candidate should have 6 months to 3 years of relevant experience, with graduation and a sound understanding of gold loan products, KYC norms, and documentation.

Qualifications

• Minimum Graduation
• 6 months to 3 years of experience
• Understanding gold loan products and lending process
• Basic knowledge of documentation, KYC, and credit norms
• Data entry and basic computer skills (MS Excel, email, banking software)
• Willingness to travel locally for customer sourcing and service

Responsibilities

• Achieve monthly and quarterly targets for gold loan disbursement and portfolio growth
• Cross-sell insurance, savings accounts, and other financial products to gold loan customers
• Monitor repayments and minimize delinquencies by ensuring timely collections
• Assist in cash handling and safe documentation during gold loan processing (if required)
• Support the branch in enhancing profitability through quality sourcing and customer retention
• Conduct field visits and community outreach to source gold loan customers
• Verify gold and KYC documents, ensure accurate data entry and loan application processing
• Provide clear communication to customers on interest rates, terms, and repayment schedules
• Maintain regular follow-ups with customers for renewals, top-ups, and feedback
• Ensure a high level of customer satisfaction through responsive and transparent service
• Assist in maintaining branch hygiene, proper storage of pledged gold, and accurate record-keeping
• Coordinate with valuation personnel and back-office teams for seamless loan disbursal
• Follow RBI regulations and internal policies for gold loans

Skills

Gold loan knowledge

Customer service

Sales orientation

KYC & credit norms

Data entry & basic IT

Fieldwork & client visits

Education

Graduation

Tools

MS Excel

Banking software

Email

Job description

JobPurpose

To drivegold loan business through customer acquisition, servicing, and cross-sellingat the branch level. The Relationship Officer will play a critical role inidentifying potential customers, ensuring smooth disbursal of loans, andmaintaining strong relationships while adhering to compliance and operationalguidelines.

FunctionalRole

RelationshipOfficer Gold Loan

Qualification

Minimum Graduation

BusinessUnit

Gold Loan

Location

PAN India

Department

Sales

RelevantExperience

6months - 3 years of experience.

FunctionalCompetencies

• Understandingof gold loan products and lending process.
• Customerservice and sales orientation.
• Basicknowledge of documentation, KYC, and credit norms.
• Dataentry and basic computer skills (MS Excel, email, banking software).
• Abilityto manage fieldwork and customer visits.

BehaviouralCompetencies

• Highlevel of integrity and ethical conduct.
• Strongcommunication and interpersonal skills.
• Self-motivatedand target driven.
• Abilityto work independently and as part of a team.
• Discipline,punctuality, and professional grooming.

JobResponsibilities

FinancialResponsibilities

• Achieve monthly and quarterlytargets for gold loan disbursement and portfolio growth.
• Cross-sell insurance, savingsaccounts, and other financial products to gold loan customers.
• Monitor repayments and minimizedelinquencies by ensuring timely collections.
• Assist in cash handling and safedocumentation during gold loan processing (if required).
• Support the branch in enhancingprofitability through quality sourcing and customer retention

Non-financialResponsibilities

• Conductfield visits and community outreach to source gold loan customers.
• Verifygold and KYC documents, ensure accurate data entry and loan applicationprocessing.
• Provideclear communication to customers on interest rates, terms, and repaymentschedules.
• Maintainregular follow-ups with customers for renewals, top-ups, and feedback.
• Ensurea high level of customer satisfaction through responsive and transparentservice.
• Assistin maintaining branch hygiene, proper storage of pledged gold, and accuraterecord-keeping.
• Coordinatewith valuation personnel and back-office teams for seamless loan disbursal

Complianceand Risk Responsibilities

• Ensureadherence to all internal policies, RBI regulations, and operational proceduresfor gold loans.
• Maintainconfidentiality of customer information and transaction data.
• Followsecurity protocols for gold storage and handling.
• Reportsuspicious transactions or potential frauds immediately to reporting authority.
• Ensuredocumentation is audit-ready and error-free.

Additional Requirements

• Must own amobile phone and two-wheeler (bike) for daily field activities.
• Should becomfortable using computers, emails, and banking applications for dailyreporting and data entry.
• Willingnessto travel locally for customer sourcing and service.