Senior Relationship Officer Gold Loan

5-7 Years

Posted 39 minutes ago
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Job Description

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 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, 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.

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