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Senior Relationship Officer Gold Loan at AU SMALL FINANCE BANK — Tirumalgiri

Experience5–6 yrs
SalaryNot disclosed
Work modeonsite
Posted26 Sept 2026

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About AU SMALL FINANCE BANK

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

Skills

Gold Loan Product Knowledge
Credit Risk Assessment
Customer Relationship Management
Collateral Valuation Techniques
Regulatory Compliance in Lending
Sales Target Achievement
Portfolio Management
Financial Analysis
Report Preparation and Documentation

The role

A gold loan relationship manager at a financial services bank builds secured lending portfolios, conducts credit risk assessment and collateral valuation, and manages customer relationships and regulatory compliance. The role also applies portfolio management and financial analysis to guide borrowers and monitor repayments.

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 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 in secured lending, and will be responsible for managing high-value customer accounts, assessing creditworthiness, and ensuring compliance with regulatory standards. This position plays a critical role in expanding the bank’s gold loan business while delivering exceptional service and fostering long-term client loyalty.

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, valuation of gold assets, disbursal, and recovery.Collaborate with the valuation team to ensure accurate and timely assessment of gold collateral.Achieve and exceed monthly and quarterly gold loan sales targets by identifying new business opportunities within the assigned territory.Provide expert guidance to clients on gold loan terms, interest rates, repayment schedules, and regulatory requirements.Coordinate with internal teams such as credit, legal, and operations to streamline loan processing and resolve any client issues promptly.Monitor and manage the portfolio quality by tracking repayments, identifying potential defaults, and initiating recovery actions as necessary.Stay updated with market trends, competitor offerings, and regulatory changes impacting gold loan products to advise clients effectively.Prepare detailed reports on sales performance, client feedback, and market insights for senior management review.Train and mentor junior relationship officers and sales staff to enhance team performance and product knowledge.

Skill:-

Gold Loan Product KnowledgeCredit Risk AssessmentCustomer Relationship ManagementCollateral Valuation TechniquesRegulatory Compliance in LendingSales Target AchievementPortfolio ManagementFinancial AnalysisNegotiation and PersuasionReport Preparation and DocumentationTeam 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 the financial services sector with a focus on secured lending, preferably gold loans or similar collateral-based products.

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*#