Group Company: AU Small Finance Bank Limited

Designation: Senior Relationship Officer Gold Loan

Office Location

Position description: #Position description#

Primary Responsibilities: #Primary Responsibilities#

Additional Responsibilities: #Additional Responsibilities#

Reporting Team

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- Reporting Department: #Reporting Department#

Educational Qualifications Preferred #Education and Experience#

- Category: #Category#
- Field specialization: #Field specialization#
- Degree: #Degree#
- Academic score: #Academic score#
- Institution tier: #Institution tier#

Required Certification/s: #Required Certification/s# Required Training/s: #Required Training/s#

Required Work Experience

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- Role: #Role#
- Years of experience: #Years of experience#

Job Brief:- 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 by building and maintaining strong relationships with clients. The ideal candidate will have a deep understanding of the financial services industry, particularly secured lending, and will be responsible for managing high-value client accounts, assessing creditworthiness, and ensuring compliance with regulatory standards. This position plays a a critical role in expanding the bank’s gold loan business while delivering exceptional customer service and achieving sales targets.

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 applicants to ensure compliance with the bank’s lending policies.
- Manage the end-to-end gold loan process including documentation, valuation of gold assets, sanctioning, and disbursal.




- Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities and cross-selling other financial products.
- Collaborate with the valuation team and ensure accurate and timely valuation of gold collateral in accordance with regulatory guidelines.
- Monitor loan repayments and coordinate with the collections team to minimize delinquencies and recover overdue payments.
- Provide expert advice to clients on gold loan terms, interest rates, and repayment options to enhance customer satisfaction and retention.
- Ensure adherence to all regulatory and compliance requirements related to gold loan disbursement and recovery.
- Prepare detailed reports on portfolio performance, client feedback, and market trends to inform strategic decision-making.
- Train and mentor junior relationship officers and sales staff to enhance team performance and product knowledge.

Skill:-

- Gold Loan Portfolio Management
- Credit Risk Assessment
- Customer Relationship Management (CRM)
- Financial Analysis and Documentation
- Regulatory Compliance in Lending
- Negotiation and Sales Closing
- Collateral Valuation Techniques
- Loan Recovery and Collections
- Market and Competitor Analysis
- Team Leadership and Mentoring

Preferred Qualifications:-

- Bachelor’s 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 sector, preferably with a banking institution.

Key Performance Indicators: #Key Performance Indicators# Required Competencies: #Required Competencies#

Required Knowledge: #Required Knowledge#

Required Skills: #Required Skills#

Required Abilities

- Physical: #Physical#
- Other: #Other#

Work Environment Details: #Work Setting Details#

Specific Requirements

- Travel: #Travel#
- Vehicle: #Vehicle#
- Work Permit: #Work Permit#

Other Details

- Pay Rate: #Pay Rate#
- Contract Types: #Contract Types#
- Time Constraints: #Time Constraints#
- Compliance Related: #Compliance Related#
- Union Affiliation: #Union Affiliation#

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