Branch Relationship Executive - Used Car Finance

Equitas Small Finance Bank; Bengaluru; On-site; INR 500,000 - 800,000; Full time

Job summary

Equitas Small Finance Bank in Bengaluru invites applications for Branch Relationship Executive - Used Car to drive used car finance proposals, sourcing through direct channels, dealers and DSAs.

You will manage customer relationships, ensure timely documentation, apply First Time Right principles, and pass on leads for cross-sell products.

The ideal candidate has 3–6 years in car finance, exp with banks/NBFCs, strong English and local language skills, and proficiency in Excel for reporting.

Qualifications

• 3–6 years of relevant experience in car finance or banking.
• Experience in Used Car finance and strong market contacts.
• Good understanding of processes, car types and client segments.
• Working knowledge of English and regional language.
• Proficient in Excel and written English communication.

Responsibilities

• Develop a consistent pipeline of used car finance applications via direct sourcing, dealers and DSAs.
• Manage relationships with customers, responding to requirements timely and professionally.
• Ensure timely collection of all loan documentations for First Time Right processing.
• Generate and pass on leads for cross-sell products (Savings Accounts, Current Accounts, deposits, FASTag).
• Ensure 100% compliance with RBI policies and internal processes.
• Follow up with channels to keep relationships active and avoid PDDs beyond 60 days.
• Understand ESFB used car funding products and offer appropriate schemes.

Skills

Customer communication

English fluency

Regional language familiarity

Education

Graduation

MBA

Tools

Excel

Job description

Branch Relationship Executive - Used Car

Purpose of the role

To ensure high quality delivery of relevant vehicle finance products & services to our clients in a fair and transparent manner.

Key Responsibilities

• Develop consistent pipeline of applications from good quality customers who require finance for purchase of Used cars through direct sourcing, Dealers, DSAs, market references etc.
• Effectively manage relationships with all customers by responding to their requirements in a timely and professional manner.
• Ensure that all documentation and information related to loan proposals are obtained in a timely manner to practice 'First Time Right' principle.
• Actively generate & pass on leads for cross-sell products like Saving Accounts, Current Accounts, Term Deposits, FASTag (wherever applicable)
• Ensure 100% compliance to Policies & Processes and all regulatory matters of RBI and other statutory bodies
• Closely follow up Channels and keep the relationship intact and ensure no PDD is pending beyond 60 days from his channels.
• Understand the products & policies of ESFB Used car Funding and offer the right scheme to the client and ensure customer's requirement is met.

Desired Experience

Number of years of experience (range): 3-6 years

Type of companies/sector worked for

OEM / Dealer Sales / Banks/NBFCs, should have relevant experience New or Used cars finance.

Responsibilities managed in the previous organizations

The applicant should have experience in Used Car, should have excellent contacts in the Cars finance market. Experience in understanding Process, Car types, Client segments, dynamics of used car market is critical for this role.

Languages

Working knowledge of English and fluency in regional language of the state applying for. Ability to speak in other regional languages would be an added advantage.

Computer/technical skills (if any)

Should be comfortable in using Excel (ability to analyze reports sent from Head Office) and email (ability to communicate clearly in written English).

Qualifications

• Graduation: Any Graduate
• Post-graduation: MBA or any PG would be an added advantage
• Professional Qualifications: Nothing specific
• Certifications : Nothing specific