Group Company: AU Small Finance Bank Limited

Designation: Customer Service Officer & Valuer

Office Location: Position description: #Position description#

Primary Responsibilities: #Primary Responsibilities#

Additional Responsibilities: #Additional Responsibilities#

Reporting Team

- Reporting Designation: #Reporting Designation#
- 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

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

Job Brief:

- AU Small Finance Bank Limited is seeking a dedicated and detail-oriented professional to join our Operations and Services team. This role involves managing customer interactions with a focus on delivering exceptional service while also conducting accurate and compliant property valuations to support our lending processes. The ideal candidate will possess solid analytical skills, a thorough understanding of financial services operations, and the ability to assess property values in line with regulatory standards. This position plays a critical role in ensuring customer satisfaction and supporting the bank's risk management through precise valuation and service excellence.

Responsibilities

- Manage and resolve customer inquiries and complaints promptly,



ensuring a high level of customer satisfaction in line with the bank’s service standards.
- Conduct thorough property valuations by inspecting properties, analyzing market trends, and preparing detailed valuation reports to support loan underwriting decisions.
- Collaborate with the credit and risk teams to ensure valuations meet regulatory compliance and internal policies.
- Maintain accurate records of customer interactions and valuation reports in the bank’s systems for audit and reference purposes.
- Provide guidance and support to customers regarding loan products, documentation requirements, and valuation processes.
- Identify opportunities to improve customer service processes and valuation methodologies to enhance operational efficiency.
- Coordinate with external agencies, such as legal and property consultants, to verify property ownership and legal clearances.
- Stay updated with changes in real estate market conditions, regulatory requirements, and industry best practices to ensure compliance and accuracy.
- Assist in training junior staff on customer service protocols and valuation techniques to maintain team competency.




- Prepare periodic reports on customer service metrics and valuation activities for management review.

Skill

- Customer Relationship Management
- Property Valuation Techniques
- Financial Analysis
- Regulatory Compliance
- Risk Assessment
- Report Writing and Documentation
- Market Research and Trend Analysis
- Loan Processing Knowledge
- Communication and Interpersonal Skills
- Problem Solving and Conflict Resolution
- Data Management Systems
- Team Collaboration

Preferred Qualifications

- Bachelor’s degree in Finance, Business Administration, Real Estate, or a related field.
- Professional certification in property valuation or real estate appraisal is highly desirable.
- Minimum of 3-5 years of experience in customer service within the financial services sector, with proven expertise in property valuation.
- Strong knowledge of banking regulations, loan processing, and risk assessment related to property-backed lending.

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 Environment 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#

📌 Customer Service Officer & Valuer (Mangalore)
🏢 AU Small Finance Bank
📍 Mangalore