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

- 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 an experienced and agile 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 will be responsible for managing and expanding the gold loan portfolio, ensuring compliance with regulatory standards, and driving business growth through effective relationship management. The ideal candidate will possess deep knowledge of gold loan products, strong analytical skills, and the ability to build trust with clients while aligning with the bank's commitment to financial inclusion and customer satisfaction. Responsibilities :-





- Develop and maintain strong relationships with existing and prospective gold loan customers to maximize portfolio growth and retention.
- Conduct thorough credit appraisals and risk assessments of gold loan applications in compliance with the banks policies and regulatory guidelines.
- Collaborate with the credit and operations teams to ensure timely and accurate processing of gold loan disbursements and repayments.
- Identify and pursue new business opportunities by leveraging market insights and customer feedback to enhance product offerings.
- Monitor and manage the quality of the gold loan portfolio, minimizing non-performing assets through proactive customer engagement and recovery strategies.
- Provide expert guidance and training to junior sales staff on gold loan products, sales techniques, and compliance requirements.
- Prepare detailed reports on portfolio performance, market trends, and customer feedback for senior management review.
- Ensure adherence to all internal controls, audit requirements, and regulatory compliance related to gold loan operations.
- Represent the bank at industry events and community engagements to enhance brand visibility and customer trust.
- Utilize CRM tools and data analytics to track customer interactions, sales performance,



and market developments.

Skill :-

- Gold Loan Product Knowledge
- Credit Risk Assessment
- Customer Relationship Management (CRM)
- Portfolio Management
- Regulatory Compliance
- Financial Analysis
- Sales Strategy Development
- Negotiation and Persuasion
- Data Analytics and Reporting
- Team Leadership and Training

Preferred Qualifications :-

- Bachelors 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, specifically with gold loan products or secured 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#

Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Sr Relationship Officer Gold Loan (Jagtial)
🏢 AU Small Finance Bank
📍 Jagtial