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.

· Solid 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 explicit 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.

📌 Relationship Officer Gold Loan Mumbai
🏢 AU Small Finance Bank
📍 Mumbai