About the role
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*#
- 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 bank’s 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.
- 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
- 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, 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*#