Job Purpose : To drive gold loan business through customer acquisition, servicing, and cross-selling at the branch level. The Relationship Officer will play a critical role in identifying potential customers, ensuring smooth disbursal of loans, and maintaining strong relationships while adhering to compliance and operational guidelines.

Functional Role : Relationship Officer – Gold Loan

Job Code

Qualification : Minimum Graduation

Business Unit : Gold Loan

Location : PAN India

Department : Sales

Relevant Experience : 6 months - 3 years of experience.

Functional Competencies

- Understanding of gold loan products and lending process.
- Customer service and sales orientation.
- Basic knowledge of documentation, KYC, and credit norms.
- Data entry and basic computer skills (MS Excel, email, banking software).
- Ability to manage fieldwork and customer visits.

Behavioural Competencies

- High level of integrity and ethical conduct.
- Strong communication and interpersonal skills.
- Self-motivated and target driven.
- Ability to work independently and as part of a team.
- Discipline, punctuality, and professional grooming.

Job Responsibilities

Financial 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 secure documentation during gold loan processing (if required).
- Support the branch in enhancing profitability through quality sourcing and customer retention

Non-financial Responsibilities

- 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

Compliance And Risk Responsibilities

- Ensure adherence to all internal policies, RBI regulations, and operational procedures for gold loans.
- Maintain confidentiality of customer information and transaction data.
- Follow security protocols for gold storage and handling.
- Report suspicious transactions or potential frauds immediately to reporting authority.
- Ensure documentation is audit-ready and error-free.

Additional Requirements

- Must own a mobile phone and two-wheeler (bike) for daily field activities.
- Should be comfortable using computers, emails, and banking applications for daily reporting and data entry.
- Willingness to travel locally for customer sourcing and service.

📌 Senior Relationship Officer Gold Loan (Nashik)
🏢 AU Small Finance Bank
📍 Nashik