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Senior Relationship Officer Gold Loan at AU SMALL FINANCE BANK — Jaipur Tehsil

Experience5–6 yrs
SalaryNot disclosed
Work modeonsite
Posted30 Sept 2026

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About AU SMALL FINANCE BANK

AU SMALL FINANCE BANK is hiring in Jaipur Tehsil in financial services. This role looks for around 5+ years of experience.

Skills

Gold Loan Portfolio Management
Credit Risk Assessment
Collateral Valuation Techniques
Customer Relationship Management
Regulatory Compliance
Loan Documentation and Disbursement
Sales Strategy and Business Development
Non-Performing Asset Management
Financial Reporting and Analysis
Market Research and Competitive Analysis

The role

A relationship officer at a financial services bank develops gold loan portfolio management and credit risk assessment, evaluates collateral valuation techniques, and manages customer relationship management. The role also applies regulatory compliance and loan documentation and disbursement.

Full 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 individual with deep knowledge of gold loan financing, customer relationship management, and credit risk assessment. The successful candidate will be responsible for driving gold loan portfolio growth, ensuring compliance with regulatory standards, and delivering exceptional customer service to enhance client satisfaction and retention. This position requires a proactive approach to identifying new business opportunities, managing existing client relationships, and collaborating with cross-functional teams to achieve the bank's financial objectives within the competitive financial services industry.

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 bank’s policies and regulatory guidelines.Evaluate the quality and authenticity of gold collateral, coordinating with internal and external valuers to ensure accurate valuation.Drive sales targets by identifying new business opportunities and cross-selling other financial products offered by the bank.Ensure timely and accurate documentation, loan disbursement, and recovery processes while adhering to internal controls and audit requirements.Collaborate with the collections team to monitor overdue accounts and implement effective recovery strategies to minimize non-performing assets.Provide expert guidance and training to junior relationship officers and sales staff on gold loan products and customer engagement techniques.Stay updated with market trends, competitor activities, and regulatory changes impacting gold loan products to advise management on strategic adjustments.Prepare detailed reports on portfolio performance, customer feedback, and market insights for senior management review.Represent the bank at community events and industry forums to enhance brand visibility and foster trust within the target customer base.

Skill:-

Gold Loan Portfolio ManagementCredit Risk AssessmentCollateral Valuation TechniquesCustomer Relationship Management (CRM)Regulatory Compliance in Financial ServicesLoan Documentation and DisbursementSales Strategy and Business DevelopmentNon-Performing Asset (NPA) ManagementFinancial Reporting and AnalysisTeam Leadership and TrainingMarket Research and Competitive AnalysisEffective Communication and Negotiation

Preferred Qualifications:-

Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification is preferred.Minimum of 5 years of experience in gold loan sales or secured lending within the financial services sector, with a proven track record of meeting or exceeding sales targets.

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*#