- Industry: #*Industry*#
- Role: #*Role*#
- Years of experience: #*Years of experience*#
Job Brief:- AU Small Finance Bank Limited is seeking an experienced and energetic 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, disbursement, and recovery in adherence to regulatory guidelines.
- Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities and cross-selling other financial products.
- Collaborate with internal teams such as credit, legal, and operations to ensure smooth loan processing and timely resolution of client queries.
- Monitor and manage the gold loan portfolio to minimize delinquencies and non-performing assets through proactive client engagement and follow-ups.
- Provide expert advice to clients on gold loan terms, interest rates, repayment options, and other related financial products.
- Stay updated with market trends, competitor offerings, and regulatory changes impacting gold loan products to maintain competitive advantage.
- Prepare detailed reports on sales performance, client feedback, and market insights for senior management review.
- Train and mentor junior relationship officers to enhance team capabilities and ensure consistent service quality.
Skill:-
- Gold Loan Portfolio Management
- Credit Risk Assessment
- Customer Relationship Management (CRM)
- Financial Analysis and Appraisal
- Regulatory Compliance in Lending
- Sales Target Achievement
- Negotiation and Persuasion
- Cross-Selling Financial Products
- 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 sales or relationship management within the financial services sector, with a focus on secured lending or gold loans.