R0-Used car-

Ujjivan Small Finance Bank; Bengaluru; On-site; INR 300,000 - 600,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. – Bengaluru branch – seeks a Relationship Officer for Used Car finance. You will drive dealer/DSA partnerships, assist customers through loan applications, and help maintain a healthy portfolio with timely EMI collections.

Experience in vehicle finance and dealer management is preferred; 10th pass with 1–2 years of related experience is acceptable. You will engage in cross-selling and provide strong customer service.

Qualifications

• 10th pass (or equivalent) required.
• 1–2 years of experience in vehicle finance or banking preferred.
• Excellent communication and relationship-building skills.

Responsibilities

• Achieve monthly sales targets and contribute to business numbers.
• Maintain productivity with 3–6 files per month.
• Identify cross-selling opportunities and sell additional financial products.
• Manage relationships with dealers/DSA and provide timely service.
• Assist customers in completing loan applications and KYC documentation.
• Support collections to ensure portfolio quality and timely EMI collections.

Skills

Interpersonal skills

Communication

Go getter

Fast learner

Performance oriented

Education

10th Pass

Job description

POSITION DESCRIPTION

JOB TITLE : Relationship Officer - Used Car

GRADE : DM-I

DEPARTMENT : Vehicle Finance

LOCATION : Branch

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Cluster Manager - Used Car

REPORTING INTO

• ROLE PURPOSE & OBJECTIVE
• Generate business at assigned Dealer/DSA counters for Ujjivan Used Car Business
• Assist customers in completing their loan application journey and gather necessary documentation [KYC]
• Manage the loan portfolio and assist in timely collection of overdues
• SIZE OF THE ROLE
• Financial Size
• Non -Financial Size
• Generate business of 25-50 lakhs per month
• Improve the business number and grow the business by 5% MoM
• Customer Management: 20-40 Customers per month
• Dealer Management: 1-2 Dealer/DSA
• No of files: 3-6 disbursals per month
• KEY RESPONSIBILITIES
• Business/Financials
• Achieve monthly sales targets and contribute to business numbers
• Maintain a productivity of at least average 3-6 files per month
• Identify cross selling opportunities and sell additional financial products
• Customer (Both Internal & External)
• Manage the relationship with the channel partners by providing timely service
• To acquire new customers by providing them personalized guidance and information about USFB's Used Car Loan Products - Re-purchase, Re-finance, Balance Transfer
• Assist customers in completing the loan application, ensuring all the details are filled accurately.
• Address any queries or concerns of the customers by providing excellent customer service.
• Internal Process:
• Ensure proper due diligence & assessment of customer before offering loan
• Manage collection of 6 MOB [1-6 EMIs] from the customer to maintain a strong portfolio for Vehicle Finance
• Collateral management by timely collection of PDD document and RC.
• Responsible for maintaining relationship with branches for generating additional business
• Innovation and Learning:
• Study the processes & offerings by competitors and suggest improvements in the current offerings
• Attend the training sessions on product & policies offered by central & regional teams to ensure adherence to guidelines & faster adoption to changes
• People Management- Manage the relationship with valuation agencies and RTO agents for smooth processing of cases
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
• Educational Qualifications
• 10 th Pass/ Fail
• Work Experience
• Minimum 1-2 years of experience required in managing Vehicle Finance products in Bank/NBFC/SFB
• Relevant experience in managing Used Car business is desirable
• Skills
• Interpersonal Skills
• Good Communication Skills
• Performance Oriented
• Go Getter/Fast learner
• KEY INTERACTIONS
• INTERNAL
• EXTERNAL
• Business Head, Regional Sales Manager, Lead Business, Cluster Manager
• Dealers/DSA
• Regional Operations, Credit, Regional Collections
• Customers
• Product team
• Valuation agency, RTO agents

PREPARED BY: Sabyasachi Mahapatra

DATE: 24-11-2025

REVIEWED BY: Premkumar G

DATE: 03-12-2025

LAST UPDATED BY: TM Team

Date

This is Internal document.