Sr Relationship Officer Gold Loan

AU Small Finance Bank; Vijayanagar; On-site; INR 600,000 - 1,000,000; Full time

Job summary

AU Small Finance Bank Limited invites an experienced Senior Relationship Officer to lead growth in the Gold Loan portfolio. You will cultivate client relationships, assess creditworthiness, and ensure regulatory compliance while achieving disbursement targets.

Based in Rajasthan, the role requires strategic sales acumen, team collaboration, and proactive opportunity spotting with local jewelers and businesses. A Bachelor’s degree and 5 years in gold loan or secured lending are preferred.

Qualifications

• Bachelor’s degree in Finance, Business Administration or related field.
• Minimum 5 years’ experience in gold loan sales or secured lending in financial services.
• Experience in small finance banks or NBFCs preferred.

Responsibilities

• Develop and maintain relationships with existing and prospective clients for gold loan products.
• Conduct credit appraisals and risk assessments per bank policy and regulatory guidelines.
• Meet or exceed monthly and quarterly gold loan disbursement targets.
• Coordinate with credit, operations, and legal teams for smooth loan processing.
• Monitor portfolio to minimize delinquencies and recover dues.
• Advise clients on terms, rates, repayment options and documentation.
• Identify new business opportunities by networking with local businesses and jewelers.
• Prepare reports on sales performance and market trends.

Skills

Gold Loan knowledge

Credit risk assessment

CRM

Sales strategy

Regulatory compliance

Portfolio management

Negotiation

Financial analysis

Market research

Reporting & documentation

Team leadership

Education

Bachelor's degree in Finance or Business Administration

MBA or related postgraduate qualification

Job description

We are seeking a highly motivated and experienced professional to join our Sales team at AU Small Finance Bank Limited as a Senior Relationship Officer specializing in Gold Loan products. This role demands a strategic individual with deep knowledge of gold loan financing, customer relationship management, and sales expertise within the financial services sector. The successful candidate will be responsible for driving gold loan portfolio growth by building and maintaining strong client relationships, assessing creditworthiness, and ensuring compliance with regulatory standards. This position requires a proactive approach to identifying new business opportunities, managing risk, and delivering exceptional customer service to enhance the bank's market presence and profitability.

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 applications in compliance with the banks policies and regulatory guidelines.
• Achieve and exceed monthly and quarterly gold loan disbursement targets through effective sales strategies and client engagement.
• Collaborate with internal teams including credit, operations, and legal to ensure smooth loan processing and timely disbursement.
• Monitor and manage the gold loan portfolio to minimize delinquencies and ensure timely recovery of dues.
• Provide expert guidance to clients on gold loan terms, interest rates, repayment options, and documentation requirements.
• Identify and pursue new business opportunities by networking with local businesses, jewelers, and community groups.
• Prepare detailed reports on sales performance, client feedback, and market trends to inform management decisions.
• Ensure adherence to all compliance, regulatory, and audit requirements related to gold loan operations.
• Conduct periodic training and knowledge sharing sessions for junior sales staff to enhance team capabilities.

Skill

• Gold Loan Product Knowledge
• Credit Risk Assessment
• Customer Relationship Management (CRM)
• Sales Strategy Development
• Regulatory Compliance
• Portfolio Management
• Negotiation and Persuasion
• Financial Analysis
• Market Research and Networking
• Report Preparation and Documentation
• Team Leadership and Training

Preferred Qualifications

• Bachelors degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification is 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.

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