Branch Relationship Officer

Equitas Small Finance Bank Ltd.; Bengaluru; On-site; INR 450,000 - 750,000; Full time

Job summary

Equitas Small Finance Bank Ltd. is seeking a Relationship Manager to drive used car and used commercial vehicle financing by building a steady pipeline through dealers, DSAs, and direct sourcing.

You will respond to client needs promptly and ensure timely document collection to support First Time Right loan approvals. The role emphasizes strong Excel-based analysis, robust English communication, and knowledge of regional languages.

Qualifications

• 3–6 years of experience in vehicle finance across OEMs, dealers, banks or NBFCs.
• Experience in used car finance and understanding car types, client segments and market dynamics.
• Proficiency in Excel and strong written English communication.

Responsibilities

• Develop a consistent pipeline of applications from good quality customers requiring finance for used cars and used commercial vehicles via direct sourcing, dealers, DSAs, and market references.
• Manage relationships with customers by responding to their requirements in a timely and professional manner.
• Ensure timely collection of all documents and information related to loan proposals to adhere to First Time Right principles.
• Generate and pass on leads for cross-sell products like savings accounts, current accounts, term deposits, and FASTag where applicable.
• Ensure 100% compliance with policies, processes and RBI/regulatory requirements.
• Follow up with channels to maintain relationships and ensure no PDD is pending beyond 60 days.
• Understand ESFB used car funding products and offer the right scheme to meet customer needs.

Skills

Excel

English proficiency

Regional language fluency

Education

Graduate degree

MBA

Job description

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 And Used Commerical Vechile 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